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 offer a variety of loan programs with very competitive interest rates.
The big mortgage folks want you to first give them your personal information BEFORE they give you much information about them. We're different. We want to provide you with information about us, so you can feel comfortable knowing you can trust us, talk with us, and feel confident that we have your best interest in mind.
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 offer a variety of loan programs with very competitive interest rates.
The big mortgage folks want you to first give them your personal information BEFORE they give you much information about them. We're different. We want to provide you with information about us, so you can feel comfortable knowing you can trust us, talk with us, and feel confident that we have your best interest in mind.
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.
We have the financial strength, the experience and knowledge - along with the finest staff - to provide unsurpassed personal service, very competitive rates and the smoothest process in the area.
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.
We have the financial strength, the experience and knowledge - along with the finest staff - to provide unsurpassed personal service, very competitive rates and the smoothest process in the area.
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.
Whether you are purchasing your dream home, downsizing, building a new home, refinancing a current mortgage loan to improve your existing home or consolidating debt, hoping to purchase a lake or vacation home, our highly dedicated team of mortgage loan officers can help you find the right loan program at the lowest rate.
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.
Whether you are purchasing your dream home, downsizing, building a new home, refinancing a current mortgage loan to improve your existing home or consolidating debt, hoping to purchase a lake or vacation home, our highly dedicated team of mortgage loan officers can help you find the right loan program at the lowest rate.
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.
We aren't "locked in" to a small number of options like many banks and credit unions.
We will walk you through every step of the way making sure your loan is processed on time.
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.
We aren't "locked in" to a small number of options like many banks and credit unions.
We will walk you through every step of the way making sure your loan is processed on time.
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.
Most lending institutions only ask a few basic questions and send you a Pre-qualification letter that may - or may NOT - accurately reflect your true mortgage borrowing limit.
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.
Most lending institutions only ask a few basic questions and send you a Pre-qualification letter that may - or may NOT - accurately reflect your true mortgage borrowing limit.
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.
When you are pre-qualified for a loan, the lender basically looks at some general information about you and suggests the amount you can afford.
Although this may appear to be a guess as your numbers have not been verified, most lenders do this type of service - providing a letter of pre-qualification.
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.
When you are pre-qualified for a loan, the lender basically looks at some general information about you and suggests the amount you can afford.
Although this may appear to be a guess as your numbers have not been verified, most lenders do this type of service - providing a letter of pre-qualification.
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