"Timely, effective"

"Rick really came through for us. We were in a bad rental and Rick was able to do what seemed impossible and got us into our own home. His team was fantastic and really helped change our lives. Rick is a miracle worker and stuck by his word. Best integrity and results are awesome! Rick is the best!"

"Rick was fantastic, knowledgeable and super friendly person. He made the whole process to go very smooth. I will highly recommend Rick to my friends and family. Thank you for setting up everything straight and he was very quick in turnaround."

"Rick did everything he could to make sure i get to buy my first house and I really appreciate him for doing that I will definitely reference my friends to him"

"I'm extremely grateful to Rick Scherer and the rest of the team at Valor Home Loans. Being first-time home buyers, we didn't know much about the process but from the very beginning they guided us through the process and helped us all the way to closing day. We only had 45 days before we had to move out of our rental, and we were able to close in 30 days!! I strongly recommend their services to anyone looking to buy a home not only because of the way they guide you but also the urgency they show. Thank you so much to our Realtor Claudia Williams, Rick, Brenda, Novalee and Also Robin with Wollinka Wikle Title Insurance. :)"

"Was a pleasure to deal with. The communication was excellent if we had a question or concern he would message back within the day an amazing overall experience."

"Honestly everything from the beginning to the end absolutely amazing. I never thought this dream would come true but you guys made it happen with no money down"

"I highly recommend Rick for a mortgage. He is very responsive (even nights and weekends), answered all of our questions, made adjustments as necessary, and got me approved. I never thought I would be a homeowner and am so grateful to Rick and his team!"