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- Serving Arizona Since 2001
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.
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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.
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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.
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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 MoreGreat rates and service! I've had Valley Mortgage handle 2 purchases and multiple re-finances for my homes. The service is top notch and extremely fast turnaround! We have always been ready to close earlier than planned. And the rates can't be beat!!
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.
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.
Joni Kojo is amazing to work with. So satisfied with all his services he has provided for me and my family. Highly recommend!