Whether you are looking to reduce your interest rate, change the term of your mortgage OR eliminate the mortgage insurance, Valley Mortgage Financial will help you with the right combination of the lowest interest rate and lowest closing costs. Turn the home of your dreams into reality. Whether you are buying your first home, second home or vacation home, the purchase of a new home should be a positive and pleasant experience.
Valley Mortgage Financial will help you narrow the options based on your individual needs and provide you with a hassle-free approval process and fast closing. Valley Mortgage Financial provide our clients a complimentary prequalification to let you know how much you qualify for. Knowing your purchasing power is an important part of the process.
Valley Mortgage Financial will help you narrow the options based on your individual needs and provide you with a hassle-free approval process and fast closing. Valley Mortgage Financial provide our clients a complimentary prequalification to let you know how much you qualify for. Knowing your purchasing power is an important part of the process.
Services
Our team at Valley Mortgage is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
This Free Purchase Assistant has been designed to help narrow down options based on your individual needs. It's quick, it's easy, and the more questions you answer - the more accurate your results. You'll receive the Purchase information you need instantly. Joseph helped with a refinance and the process from start to finish was fast, very smooth and the rate was the best out of 3 loan estimates!
Reviews (10)
Stephen Fung
Nov 29, 2021
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D. S.
Aug 28, 2021
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Paavo T.
Aug 03, 2021
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Found a low rate for a refinance through bankrate, and based on the good reviews online this company seemed legit. Owner took all of our information, ran our credit, and disappeared. Attempted to follow up multiple times leaving voicemails etc. Finally after a week of dodged calls we heard back, and he said he’d get back to us. Been a month and haven’t heard back. Ended up going with a different lender that was actually responsive.
Jason Bedrick
Mar 02, 2021
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Timothy Fountain
Feb 27, 2021
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I had a really great experience with Valley Mortgage Financial. They came recommended by a friend. Joni reached out right away, got the necessary information from me to get started and presented my options to me. Within a day or two we had the loan lined up and locked and within 45 days we were closed and funded. An easy process that saved me lots of money. Glad I reached out.
Robin B. Hair
Feb 25, 2021
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Debbie Sisic
Feb 22, 2021
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I have used Valley Mortgage Financial twice now and in both instances Joni Kojo was superb! His customer service is like none I have seen before. Joni is quick to respond and kept me updated throughout the entire process. He took the time to answer any questions/concerns as well as walk me though the paperwork process from start to finish. I highly recommend Valley Mortgage Financial.
Scott Bravo
Feb 16, 2021
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Had a good experience here with Joni working on my mortgage refi. I studied Finance and have worked in the financial industry for most of my career, and I have pretty high expectations of other professionals in the industry that in the past have not always been met. I chose this lender because they had the best combination of rates and costs for my loan, and he was very forthcoming with the data points and made it easy for me to compare as I was shopping. Pleasant to work with, patient, good at explaining the process steps without condescending, and it was very convenient in these days of COVID
Marcus Goodwin
Feb 05, 2021
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Nir Herlinger
Jun 20, 2020
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Joni at Valley Mortgage Financial is absolutely the best option there is for home mortgages/refinances. I had spoken with at least seven different mortgage companies before finding Joni. Beyond offering by far the lowest rate, Joni was honest, expedient, and made the ENTIRE process easier than even an introductory call with any other mortgage company. My loan was funded yesterday and now I can't stop recommending Joni to all my friends and family because I am still flabbergasted at how low my refinance rate was and how fast/easy the process was. Well done Joni & Valley Mortgage Financial!
