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What Our Clients Say

Simple, fast, courteous - the best rates & experience in mortgage loans/refinancing I've had in 30 years!!

Kenneth S

Valley Mortgage has repeatedly done right by me. They have a great array of financing options for almost any situation, and Joni Kojo is a rare "straight shooter" who always gives you the facts. He has a great team supporting him also. I trust these guys.

Chester S

I've now done two deals with Joseph and his Team. Both refi's went smoothly. I felt that I got a great rate and they were accomplished quickly. I would (and do) recommend Joseph to my friends and family.

Jake G

Joni was awesome to work with! He answered every question that we had promptly and assisted us every step of the way through the loan process. Would highly recommend Valley Mortgage...

Elizabeth C