The Mortz Team

Where possibilities have no bounds!

Better Together.

Each member of our team brings unique depths of expertise as well as breadths of varying skillsets from their tenures in mortgage.

By joining together, we’re able to offer world class service every step of the way—from an initial consultation, smoothly through underwriting, into closing and even all the way to taking care of you after you’ve closed. 

Working with The Mortz Team at Valor Home Loans means that you’ll never get anything less than the best customer service paired with the most comprehensive options for your home loan.

Customized mortgage options for every client.

Our competitive pricing beats most lenders, but our range of specialized products surpasses almost all of them. We'll guide you to the best option for your unique situation, ensuring you're never overwhelmed by the variety of choices.

In addition to the standard programs like Conventional, VA, FHA, and USDA, we specialize in the following:

all in one loan link

Pay off your home faster with this dynamic program where payments are applied to principal first, saving you thousands in interest over time. This is the future of mortgage!

DREAM MAKER LOAN

Eligible for up to $4500 lender credits and below market rates. Eligibility based on designated geographical locations. Primary residences only.

DSCR LOAN

Investor Cash Flow Loan. No income, no employment required. Qualify based on subject property rents only. Investment properties only.

LITE DOC PROGRAM

Reduced documentation and eligibility requirements. Only 1 year self-employment required. No tax returns. Up to 80% LTV. Primary, Second Home and Investment Properties.

NO RATIO LOAN

No income, no employment. Eligibility based on credit score and reserves. Up to 80% LTV. Primary and second homes only.

TEMPORARY BUYDOWNS

Conventional and Government Only. 3-2-1, 2-1, 1-1 and 1-0 options available.

Borrower pays lower initial interest rates for specified periods of time to reduce the initial mortgage payment before it steps up to standard levels.

CONSTRUCTION LOANS

One-Time Close (OTC) Construction available on Conventional, FHA, VA, and USDA

REVERSE MORTGAGES

For homeowners typically aged 62 or older that allows them to convert a portion of their home equity into loan proceeds, which they can receive as regular payments or a lump sum.

SMALL BALANCE MULTIFAMLIY

Multifamily Residential Properties 5-24 units. Max 70% LTV on Purchase & Rate-Term Refinance. Max 65% Cash-Out. Up to $3M loan amount. Interest Only available.

BANK STATEMENT LOAN

Utilize bank statements to determine qualifying income. No tax returns needed.

ASSET DEPLETION

Utilization of assets to meet qualifying income requirements. Up to 90% LTV. Max loan amount $3.5M. Interest only eligible. Primary residence only.

DOWN PAYMENT ASSISTANCE

Initiatives offered by government agencies, nonprofits, or private entities to help homebuyers cover a portion of their down payment and closing costs.

National and State options available.

BRIDGE LOAN

Short-term, interim financing option that helps individuals bridge a financial gap, used to purchase a new property before selling an existing one.

JUMBO LOAN

Mortgage that exceeds the conforming loan limits, typically used to finance high-value homes and require stricter credit and income qualifications.

FOREIGN NATIONAL

Mortgages for individuals who are not U.S. citizens or permanent residents but wish to purchase property in the U.S.

ITIN LOAN

These programs aim to make homeownership more accessible to non-U.S. citizens or residents who may have unique immigration statuses and financial circumstances.

SECOND MORTGAGES

Home Equity Line of Credit (HELOC) and Home Equity Loan (HELOAN) available. Up to 95% CLTV. Piggyback and stand alone options.

BUSINESS PURPOSE LOAN

Qualify using rents (cash flow). Max 80% LTV Purchase. Condotels/Airbnb/Daily Rentals allowed. Can close in an LLC.

CONDOS

Warrantable and non-warrantable options as primary, second home and investment. Condotel options are eligible.

EXTENDED RATE LOCK

Lock a rate on a designated property for up to 360 days. Conventional conforming and government only. Float down included.

LOCK & SHOP

Relax and shop knowing your rate is locked for 90 days. Conventional conforming and government only.