Your East Valley Mortgage Expert — Without the Runaround

Nick Palmer has been getting Arizona families into homes since 2016.
Fast answers, creative solutions, and a broker who actually picks up the phone.

Building Trust Together with Our Partners

Why Homebuyers in the East Valley Choose Nick

Because in a market where speed, communication, and financing can make or break a deal — having the right mortgage partner changes everything.

Speed That Wins Deals

Fast. Like, Actually Fast. Most lenders make you wait. Nick moves quickly — from first call to clear-to-close, expect a process that keeps up with the East Valley's competitive market. Your offer won't fall behind because of your lender.

Solutions Others Miss

Loans Other Brokers Say No To Self-employed? Non-traditional income? Less-than-perfect credit? Nick specializes in finding paths forward when the big banks slam the door. If there's a loan that works for your situation, Nick will find it.

One Expert. Start to Finish.

A Real Person, Not a 1-800 Number Nick is your single point of contact from application to closing. No handoffs to a call center. No chasing down a different rep every time you call. Just one experienced broker who knows your file.

More Options. Better Rates.

As an independent broker, Nick shops your loan across multiple lenders — giving you more options and often better rates than a single bank can offer.

Conventional Loans

Flexible terms for buyers with solid credit and stable income.

VA Loans

Specialized home financing for veterans and active-duty military.

Jumbo Loans

Financing above conventional loan limits for higher-value homes.

Refinancing

Lower your rate, reduce your term, or cash out — let's run the numbers.

FHA Loans

Lower down payment options for first-time buyers and those rebuilding credit.

Reverse Mortgage

Unlock your home’s equity for extra cash flow — no monthly mortgage payments.

USDA Loans

Zero-down options for eligible rural and suburban properties.

HELOC

Tap into your home's equity for renovations, debt consolidation, or major purchases.

Loan Programs for Every Situation

Whether you're buying your first home or your fifth, Nick works with a wide range of loan programs to match your goals and your budget.

Not sure which loan fits? Let's talk

98%

Approval Success

10+

Years of Experience

5k+

Homes Financed

What Your Neighbors Are Saying

155 five-star reviews don't happen by accident. Here's what East Valley homeowners say about working with Nick.

"Nick was super helpful with the purchase of my home. He made things simple and easy. The communication was open and consistent, especially since I was in Korea, the time difference was difficult but that didn’t stop Nick with providing me the best support for purchasing a home."

David Schuster

Buckeye, AZ

"I have worked with Nick at Valor Mortgage on many transaction and refer all my clients to him. He is quick to respond, friendly and very professional. He helps the transaction to go smooth and keeps in constant contact with the clients, title and the other realtor."

NSmith

Gilbert, AZ

"Nick is awesome. My wife and I are first time home buyers and we didn't understand the process. Nick guided us throught the process step by step. We thought we needed an FHA loan. Nick helped us get a better deal and better rate."

abgamboa807

Phoenix, AZ

"Nick was easy to work with, explained all the details that we needed and was very informative. He helped us get the lowest rate possible and saved us money monthly. He made our refinance easy."

Marsha R.

East Valley

"If you are looking for a mortgage broker who is professional, skilled, and kind, then look no further. Nick with Valor Mortgage helped my husband and I purchase our new home in Phoenix."

Angelvishn

Phoenix, AZ

"I have worked with Nick at Valor Mortgage on many transaction and refer all my clients to him. He is quick to respond, friendly and very professional. I have never worked with a better mortgage broker before."

Nona S

East Valley

David Schuster

Buckeye, AZ

NSmith

Gilbert, AZ

abgamboa807

Phoenix, AZ

"If you are looking for a mortgage broker who is professional, skilled, and kind, then look no further. Nick with Valor Mortgage helped my husband and I purchase our new home in Phoenix."

Angelvishn

Phoenix, AZ

"Nick was easy to work with, explained all the details that we needed and was very informative. He helped us get the lowest rate possible and saved us money monthly. He made our refinance easy."

Marsha R.

East Valley

Nona S

East Valley

Meet Your Broker

Nick Palmer has been helping Arizona families navigate the mortgage process since 2016. Nick combines the personal attention of a boutique broker with access to a wide network of wholesale lenders.

Nick is based in Queen Creek and works with buyers throughout the East Valley, including Gilbert, Mesa, Chandler, and San Tan Valley. He built his reputation on three things: doing the deal when others can’t, communicating clearly at every step, and treating every client like they’re his only one.

When you work with Nick, you’re not a loan number — you’re a neighbor.

NMLS# 973806

Licensed Mortgage Broker, In Arizona & Texas

USAF Veteran, VA certified lender

FREQUENTLY ASK QUESTIONS

Straightforward answers to help you understand your options, the process, and what to expect when working with Nick.

What's the difference between a mortgage broker and a bank?

A bank can only offer you their own loan products. As an independent broker, Nick shops your loan across dozens of wholesale lenders to find the best rate and terms for your specific situation. More options, more often means better results.

How fast can we actually close?

It depends on your loan type and how quickly we can gather documents — but Nick is known for moving fast. Many clients are surprised by how smooth and quick the process is compared to their previous experiences.

I was told I don't qualify. Can Nick still help?

Possibly, yes. Nick specializes in finding solutions for buyers with complex situations — self-employed income, credit challenges, non-traditional documentation, and more. It's always worth a conversation.

Is there a cost to get a quote?

No. Your initial consultation and rate quote are completely free. There's no obligation and no pressure.

What areas do you serve?

Nick primarily serves the East Valley — Queen Creek, Gilbert, Mesa, Chandler, San Tan Valley, and surrounding communities. Reach out if you're unsure whether your area is covered.

Smart Home Buying Starts Here

Insights, tips, and strategies to help you navigate the mortgage process, avoid costly mistakes, and move forward with confidence in today’s market.

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Ready to Get Started?

Whether you're buying your first home, upgrading, or just want to know what you can afford — a quick conversation with Nick costs you nothing and could save you thousands.

Let’s Get You Home — Without the Runaround

Whether you’re ready to buy, exploring your options, or just want real answers — a quick conversation with Nick is free, fast, and could save you thousands.

*Your information is confidential and will never be shared

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