Todd Crane

Mortgage Advisor | NMLS# 35108
(719) 482-5359 | Todd.Crane@ValorHL.com

Apply with Todd

Aaron Keyes

Mortgage Advisor | NMLS# 2115518
(404) 455-5710 | Aaron.Keyes@ValorHL.com

APPLY WITH AARON

Let’s Make it Happen.

With loan products few lenders can get, and rich partnerships few lenders have, we can often do things very few lenders can do. We’ve saved more than a few deals that were dead in the water.

Add in our industry expertise, low rates, and seamless processes, and you’ll see what so many clients have found: despite what those other lenders said? Yea, we can do that.

Our rates will compete with any lender you find, but our service will set us apart.
0% down VA loans. First time homebuyer loans with down payment assistance. Creative combo loans to avoid PMI. Heroes’ Advantage loans for educators, first responders, military and law enforcement.
For a more extensive list of what all is available, click here.
Todd has decades of experience in construction lending and working with builders. To learn how construction loans work, click here. We have one-time close and two-time close options available.
We’ve got the best condo team in the business; where other lenders may run out of options, we can almost always find a way. In many cases all we need is a COI. If you’re looking to finance a condo of any sort, reach out to us ASAP.
See how a 2-1 buydown might make more sense than spending money on discount points—especially in times of elevated interest rates. Click here to learn more.
Innovative loan products that can pay off the home early and save hundreds of thousands of dollars for the right clients—while providing complete flexibility and liquidity.
Visit our site that explains these in depth at www.aio.loan.

Why Us?

Longevity in this industry provides perspective, insight, and reliability. At this point, we’ve seen it all. With our years of experience, combined with our in-house underwriting, closing, and vast product offering, we have become the go-to deal-savers, frequently rescuing deals that otherwise thought to be impossible.
To give back to those who give so much for us, we offer reduced closing costs and/or rates to our military, first responders, law enforcement, licensed medical professionals and educators. Reach out to learn more.
Proceeds from every loan closed go to The Exodus Road in the battle against human trafficking. And we aren’t just financial partners; Todd is an Exodus Road Delta Operative and travels around the world to rescue boys and girls, and fight for freedom. Click here to learn more.

For us, it's more than just a transaction—it's personal. We pour our passion into every interaction because we place the utmost value on genuine relationships. Discover more below.

“Aaron & the team made transitioning to a new loan easy, clear & a financial benefit for my family. Aaron's patience & commitment to ensuring we understood the product made it an enjoyable process.

— Premiere Team Client

Let’s Make it Better.

We love helping to find lending solutions for life’s big transitions—whether that’s a military relocation, a divorce, or a complete life reset.

We offer 0% Interest, 0 payment bridge loans. We offer a “Refi-on-me Guarantee" so that when rates come down beyond six months from the time we close, we’ll cover the lender costs to refinance.

We’ll walk you through everything you need to know, so no matter what’s precipitating your move, you can know that we’re here for you, and we’ve got you.

Life is Stressful.

If you or someone you know is navigating a home transition, we’d love to help. We value the following:

Empathy — We listen first. Every situation is different.
Clarity — We simplify the complex, with options and explanations.
Creativity — We explore every lending path, not just the obvious one.
Stability — We help clients land securely in a home that fits their future.

We don’t expect you to stay up to speed on interest rates, closing costs, & loan guidelines. That’s why we’re here—to empower you with the information you need. Our rates will compete with any lender you find, but our suite of specialized loan products will crush most any other lenders you find.

We’ve helped many individuals and families navigate housing decisions during transitions, such as divorce. Whether it’s refinancing the marital home, buying a new place, or qualifying on a single income, we bring clarity, creativity, and compassion to a complex season of life.

We partner with attorneys, mediators, and financial planners to create smooth, strategic lending solutions that protect our clients’ long-term stability—and peace of mind.

We offer:

*Lender Credit is 30bps (0.30% of the loan amount), up to $2500.

Who are we?

We are good friends, each from the south (Go Dawgs!) who ended up in the same neighborhood in Colorado Springs, and partnered up at Valor. Learn more about Todd. Learn more about Aaron.

We work with all kinds of clients, the top realtors, the most trusted financial advisors & sought-after CPAs—all to provide the best service possible. And we have a lot of fun doing it.