• 300 West Commercial Street Ozark, AR 72949-3108

  • 479-667-2525

    • Ozark Area Chamber of Commerce
    Valor Home Loans dba Boxcar Mortgage

    Valor Home Loans dba Boxcar Mortgage

    Lending with Purpose, Closing with Care


    Altus, AR
    479-435-5972
    www.valorhl.com/bri-ross

    Mon
    9:00am–6:00pm
    Tue
    9:00am–6:00pm
    Wed
    9:00am–6:00pm
    Thu
    9:00am–6:00pm
    Fri
    9:00am–6:00pm
    Sat
    9:00am–6:00pm

    OneByOne Home Loans – Powered by Valor I’m a local, independent mortgage broker serving Ozark and the River Valley—offering personalized home loan solutions with heart. Whether you’re buying your first home, refinancing, or need help navigating the process, I’m here to guide you OneByOne. Loan products offered include: Conventional, FHA, USDA & VA Loans First-Time Homebuyer Programs Down Payment Assistance Options Refinance Loans (Cash-Out & Rate/Term) Self-Employed & Bank Statement Loans Credit Guidance & Pre-Approval Planning I work one-on-one with my clients from start to finish—no call centers, no hand-offs, just real help from someone local who cares. 📍 Based in Ozark, AR | 📞 479-435-5972 | #CloseWithBri

    I primarily serve Franklin, Logan, Sebastian, Crawford, and Johnson counties, with most calls coming from Ozark, Fort Smith, and surrounding River Valley areas. I also work statewide in Arkansas and Oklahoma as a licensed mortgage broker.


    History

    Founded in 2013I began my mortgage journey in 2013, driven by a desire to help families and individuals feel confident and cared for throughout the homebuying process. Over the years, I’ve worked in nearly every corner of the loan world, which gave me the tools to offer honest advice, fast closings, and down-to-earth support.


    After nearly a decade in the industry, I brought Valor Home Loans to the River Valley to offer a more personalized, community-focused lending experience. My goal has always been to simplify the mortgage process, provide clear options, and meet people where they are—whether that’s at a kitchen table, a coffee shop, or over the phone after work hours.