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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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

Joseph helped with a refinance and the process from start to finish was fast, very smooth and the rate was the best out of 3 loan estimates! Very glad he was able to get us in a loan that will help us save on interest and pay off faster.

Marco E

Joni was awesome!!! Easy to work with. Knowledgeable. Always returns calls immediately. I would give 10 stars if it was an option.

Andrew B

Joni Kojo is amazing to work with. So satisfied with all his services he has provided for me and my family. Highly recommend!

Mag P

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