Your Mortgage.
Handled with Honor.
Proudly Veteran-Owned. Backed by Experience.
Meet Michael Brown
U.S. Veteran • Mortgage Loan Officer • Trusted Advisor
Michael Brown (NMLS #1021867) leads Valiant Group Capital with honor, dedication, and a deep understanding of the home loan process. As a proud veteran, Michael is committed to helping clients navigate their mortgage journey with confidence, integrity, and care.
Our Loan Programs
Comprehensive mortgage solutions for every situation
Serving Those Who Served
As a veteran, Michael knows the unique challenges and opportunities that come with military life. He offers personalized guidance and exclusive VA loan options to help fellow service members achieve homeownership.
Program Benefits
- Competitive interest rates
- Flexible down payment options
- No mortgage insurance with 20% down
- Available for primary and secondary homes
- Investment property financing available
Qualification Requirements
- Credit score typically 620 or higher
- Down payment as low as 3%
- Debt-to-income ratio under 43%
- Steady employment history
- Sufficient reserves for closing costs
Why Choose Michael Brown?
Experience the difference of working with a veteran who understands your needs
Program Benefits
- Down payment as low as 3.5%
- Lower credit score requirements
- Gift funds allowed for down payment
- Assumable loans available
- Streamlined refinancing options
Qualification Requirements
- Credit score as low as 580
- Debt-to-income ratio up to 57%
- Primary residence only
- Mortgage insurance required
- Property must meet FHA standards
Ready to Get Started?
Let Michael guide you through your first home purchase
Program Benefits
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- Reusable benefit
- No prepayment penalties
- Assumable loans
Eligibility Requirements
- Valid Certificate of Eligibility
- Primary residence only
- Meet service requirements
- Sufficient income to support payments
- Property must meet VA standards
Veteran to Veteran Service
Michael understands military life and is dedicated to helping fellow veterans achieve homeownership
Program Benefits
- Alternative income documentation
- Bank statement programs
- Asset-based qualifications
- Self-employed friendly
- Flexible underwriting
Ideal For
- Self-employed borrowers
- Contract workers
- Real estate investors
- Foreign nationals
- Unique income situations
Creative Solutions for Complex Situations
When traditional financing doesn't fit, Michael finds the right solution
Program Benefits
- No monthly mortgage payments
- Stay in your home
- Tax-free proceeds
- FHA insured
- Flexible payment options
Qualification Requirements
- Age 62 or older
- Primary residence
- Substantial home equity
- Financial assessment
- HUD counseling required
Retirement Made Easier
Let Michael help you understand how a reverse mortgage can enhance your retirement
Program Benefits
- Access funds as needed
- Interest-only payments during draw period
- Competitive variable rates
- Tax-deductible interest
- Flexible repayment options
Great For
- Home improvements
- Debt consolidation
- Education expenses
- Emergency fund
- Investment opportunities
Tap Into Your Home's Equity
Let Michael help you unlock the power of your home's equity
About Michael Brown
Veteran • Mortgage Professional • Trusted Advisor
Experience You Can Trust
Michael Brown (NMLS #1021867) brings years of experience in the mortgage industry, combined with the discipline and integrity learned through military service. As a veteran, he understands the unique challenges faced by military families and is passionate about helping them achieve homeownership.
Leading Valiant Group Capital with honor and dedication, Michael is committed to providing personalized service and finding the right mortgage solution for each client's unique situation.
Contact Michael Brown
Ready to start your mortgage journey? Let's connect!
Get In Touch
Phone
Efax
(949) 271-4022
Address
12 Moonlight
Chandler, AZ 85226
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NEXA Mortgage | NMLS #1660690