This Free Refinance Advisor 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 Refinance information you need instantly!
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.
Work with this company twice, A refinance and a new loan two years later. Always get me the best rate. I shop around and got multiple quotes but this company always able to get me .5% lower. Very good service and able to get thing done
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.
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.