If you are reading this, you've likely done an internet search or entered our website address. You probably are curious about a home mortgage or refinance program. Unlike the giant out-of-state mortgage websites or big banks, Valley Mortgage is local. Our home office is located in Fargo, North Dakota.
We've been here for more than 38+ years. You can sit across the table from us. This personal connection is why we've been successfully providing area individuals and family home buyers, those building new homes, families wanting to finance a vacation home or lake property and folks wishing to refinance their current mortgage with information, personal service, low rates and many loan choices for nearly four decades.
We've been here for more than 38+ years. You can sit across the table from us. This personal connection is why we've been successfully providing area individuals and family home buyers, those building new homes, families wanting to finance a vacation home or lake property and folks wishing to refinance their current mortgage with information, personal service, low rates and many loan choices for nearly four decades.
Services
We began serving area folks with their home mortgages, new home construction loans, mortgage refinancing and vacation home financing in 1983. Our first office was in Fargo, North Dakota. Today, our headquarters is still in Fargo. We are local. Locally owned and operated, Valley Mortgage is the largest mortgage lender in North Dakota and northern Minnesota, not a broker who sends your information to someone at a desk somewhere across the country.
Our team is committed to providing you with the highest quality mortgage loan, new construction loan and home loan refinance programs with very competitive interest rates. We've been serving the Valley since 1983. Our experienced, friendly mortgage professionals will work with you to ensure that you get a financial solution that is tailored specifically to meet your home financing needs.
As a Valley Mortgage customer, you will be treated as an individual and not just another number. Unlike the "BIG Banks" or giant online companies, we are independent and that's a huge advantage for you. We provide you with the benefit of access to a large variety of loan programs. Every person is unique and finding the best financing program for you is our highest priority.
Shopping for your next home? Let Valley Mortgage provide you with a Pre-approval document. This way you can make offers on homes based on how large a mortgage you will be able to qualify for based on your financially situation. There is a significant difference between a Pre-qualification letter and a Pre-approval letter.
We know that there are many questions regarding home mortgages, construction loans and home loan refinancing. Below are some commonly asked questions regarding home financing. If you have additional questions, please call Valley Mortgage, Inc. at 701-461-8450 today so we can help you understand your options.
Reviews (7)
Ryan Leverington
Jan 07, 2022
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George Henn
Dec 07, 2020
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C. R.
Oct 20, 2020
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I would recommend Valley Mortgage and Brian Johnson to anyone who is buying a home in the FM area! I just bought my first home through Valley Mortgage and Brian and his team made it so easy! He was very clear about what my payments would look like, how much I would need to bring to close, and best practices on how to save costs. Very straight forward and honest process...and that’s coming from someone who was skeptical at first. Very happy with my whole experience.
Heidie Sloot
Sep 29, 2020
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Valley Mortgage, Inc. was recommended to us by our realtor and they were incredible to work with! As first time home owners they were able to walk us through all the steps and help us to understand the process. Andrea and her team are incredibly knowledgeable and were available to give guidance quickly and without hesitation. We would choose to work with Valley Mortgage time and again!
Taylor Voelker
Sep 13, 2020
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Valley Mortgage is so great to work with! My husband and I love Brian! He helped us purchase our home last year and the whole process was so smooth! When we found our home it happened to be over Easter weekend. He worked over the weekend prepping our paperwork so we could be ready to go to make an offer. He went over the top to ensure everything was done on time! Recently, the VA dropped their interest rates. Brian reached out to me to let me know which was so thoughtful to remember I am in the military! He worked to get all of our paperwork done to lock us in. This was our first time refinancing
Nick Peterson
Jul 19, 2020
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We worked with Brian on our first home buying experience and we couldn’t have picked a better mortgage lender. The process was so smooth and seamless. He was quick to respond anytime of the day and even on weekends. He was also very knowledgeable and gave us his honest objective advise whenever we looked for guidance. If you’re looking for a good lender we would 10/10 recommend. We will definitely be referring Brian to friends and family and working with him again in the future!!
Jordan S.
May 10, 2019
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This is the second time I have worked with Valley Mortgage and it was exceptional. They were able to get a us a great rate on our home. The communication back and forth between Brian and Andrea is fantastic. Sometimes I’d fire off an email with a bunch of questions at 7pm and I would get an answer later that night! I highly recommend them you won’t be disappointed!