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What Our Clients Say

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

Joni is awesome to work with. He was able to help refi my loan at a super low rate. He was professional and quick to work with. I’d recommend him to anyone. Give them a call

Mathew R

Joni is the best! Made our refinance process super easy and fast. Very honest and would HIGHLY recommend to anyone looking for a new loan or to refinance. He also has the lowest rates around!

Rachel W

I have done about eight deals with Valley Mortgage Financial. Each deal was done hassle free and the rates can't be beat. The last deal I did in March 2019 was a refi and cash out with Joseph Najjar as the lead. The deal took about two weeks from start to finish to complete. Amazingly quick deal. I would recommend VFMI and Joseph Najjar.

David L