Nancy Pacheco - Valor Home Lending

This channel is for first-time home buyers learning the process, military families relocating, and investors — whether new or experienced — who want to build wealth strategically. We also discuss refinancing and long-term real estate planning.

We are Ricardo and Nancy Pacheco — a husband-and-wife team, co-founders of Valor Home Lending, and proud veteran family. Ricardo is a retired Army veteran with 20 years of service, and Nancy brings 13+ years of experience helping families navigate the home financing process with confidence and clarity. Together, we are committed to serving military families and everyday Americans with honesty, strategy, and education first.

This is strictly educational content designed to help you make confident, informed decisions.

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