Whether you are looking to reduce your interest rate, change the term of your mortgage OR eliminate the mortgage insurance, Valley Mortgage Financial will help you with the right combination of the lowest interest rate and lowest closing costs.Learn More
Turn the home of your dreams into reality. Whether you are buying your first home, second home or vacation home, the purchase of a new home should be a positive and pleasant experience. Valley Mortgage Financial will help you narrow the options based on your individual needs and provide you with a hassle-free approval process and fast closing.Learn More
Valley Mortgage Financial provide our clients a complimentary prequalification to let you know how much you qualify for. Knowing your purchasing power is an important part of the process. Our goal is to help you make the right choices for you and your family and be by your side throughout the entire process.Learn More
Whether you need to pay off high-interest debt or just need cash to remodel your home, we will help you use the equity in your home to bundle your debt into one easy monthly payment.Learn More
Simple, fast, courteous - the best rates & experience in mortgage loans/refinancing I've had in 30 years!!
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.
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
Joni was awesome!!! Easy to work with. Knowledgeable. Always returns calls immediately. I would give 10 stars if it was an option.