The Valley Mortgage Financial Difference

- Quick 30 Second Form
- Your Information is Kept Private
- Zero Hassle
- Serving Arizona Since 2001

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Find the Solution that Fits Your Needs.

Refinance Your Loan

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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Purchasing A Home

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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Pre-Qualification

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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Cashing Out/Putting Your Equity To Use

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.

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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

We have worked with Joseph over 5 years and trust that he keeps our best interest as priority! He guides with patience and is quick to respond to questions. Thank you Joseph!!

Cen C

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

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