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WHO WE ARE

At Team VALOR, we are dedicated mortgage brokers powered by Scott Capital Group. Our goal is to serve military members, veterans, and our community in achieving their dream of affordable homeownership. 

We specialize in 3 areas:

The VA Home Loan

DSCR Loans (for investment properties)

Divorce Mortgage Guidance

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Our dedication to serving doesn’t stop when your loan closes. We are committed to donating $100 from every loan closed on behalf of your family to Operation Underground Railroad (O.U.R.).

TM

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the team

MEET YOUR TEAM

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Air Force Veteran | VA Loan Expert | DSCR Specialist

John Paul Kaczmar

​C: 808-838-9427

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E: loanteam@teamvalorhomeloans.com

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  Google Reviews​​

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VA Loan EXPERT | DSCR Specialist

Kaitlyn Kaczmar

​​C: 615-785-5409

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E: kaitlyn.kaczmar@edgehomefinancecom

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​  Google Reviews

John Paul Kaczmar - NMLS #1893759 

808-838-9427

loanteam@teamvalorhomeloans.com

MORTGAGE BROKER ONLY

NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER​d

NMLS Consumer Access

REVIEWS

​Registered Mortgage Broker-NYS Department of Financial Services - All mortgage loans arranged with third party providers. Licensed by the NJ Department of Banking and Insurance.

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Kaitlyn Kaczmar - NMLS #1847716
615-785-5409

kaitlyn.kaczmar@edgehomefinance.com

Licensed in AL, CA, FL, GA, HI, IL, NV, NC, OH, OR, PA, SC, VA

NMLS Consumer Access

Edge Home Finance Corporation #891464

5868 Baker Road Minnetonka MI, 55345

MORTGAGE BROKER ONLY

NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER

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Equal Housing Opportunity
namb certified veterans loan specialist
service member saluting
Real Estate Collaboration Specialist - Divorce

© 2025 by Team VALOR Home Loans. All rights reserved.

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