The Valley Mortgage Financial Difference

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- 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

4.9
Google Overall Rating
I truly cannot recommend Valley Mortgage Financial enough! My fiancé and I just closed on our first home, and Joni made the process so easy and seamless. He made himself available at a moments notice, walked us through the entire process with confidence, and truly looked out for our best interest. We can't thank him enough for everything, if I could give a rating even higher than five stars I wouldn't hesitate!
Joni helped us to secure a loan in less than 30 days. He was exceptionally professional in the entire loan process and I will recommend his services to my friends.
awesome service by Joni! He stayed on top from start to finish and he helped me through all of my stressful moments! He was very knowledgeable and explained things to be very well. I would highly recommend Joni!
This was the best mortgage experience I’ve ever had. Joni and Amy were very efficient and excellent communicators. They got everything done right the first time and got me approved very quickly. I highly recommend them.
Joni is insanely good at what he does. He delivered on all commitments and his follow through is flawless. Joni communicates every step of the process. He made himself available outside of normal business hours. He understand and delivers GREAT customer service. I've worked with Joni in the past and the outcome is always the same; over delivers. I highly recommend him, a true professional. From 1 to 10, Joni gets a 15, he is that good.
I am not sure where to begin beside saying Joni was awesome. From day 1 Joni was very helpful in finding me the best rate, walking me through everything, and providing help when needed. When we had some hiccups with the property itself (unrelated to the loan) Joni was there to provide assistance as needed. He was available any time of day I needed him and was very responsive. 10/10 would recommend Joni and VMF to anyone I know and will definitely be using again down the road for my next home purchase.
I would highly recommend Valley Mortgage. Joni walked me through every step of the my home refinance and made it so easy. There was constant communication throughout the whole process, and I couldn't be happier with the results.
My journey to homeownership was not exactly smooth, I did not enjoy the experience. However, the financing side of things was the lone easy part of the process, owed entirely to Joni. Going in the finance side was the part the most worried me and I started initially working with a broker but quickly got the feeling my best interest was not their main priority. I was presented with rates that were much higher than I expected to qualify for. I decided to look on my own and quickly came across Valley Mortgage Financial. I was hesitant at first but after my initial conversations with Joni and their rates I decided to move forward. I can say definitively that the rate I got was VMF was the lowest I could find anywhere. I spoke with 5 different lenders outside of the lending options my initial broker offered. Once the process started with Joni he kept me informed and on task very efficiently, checking in periodically and ensuring I got all of my forms and information submitted on time. I was ready to close months before my actual house was complete and financing ended up being the smoothest part of the entire transaction.

I would highly recommend working with VMF.
Super responsive in the entire refinance loan process. Will choose this LLC next time again.
Excellent experience. Joni is very responsive and everything was smooth. A very painless refinance. Completely recommend!
Found a low rate for a refinance through bankrate, and based on the good reviews online this company seemed legit. Owner took all of our information, ran our credit, and disappeared. Attempted to follow up multiple times leaving voicemails etc. Finally after a week of dodged calls we heard back, and he said he’d get back to us. Been a month and haven’t heard back. Ended up going with a different lender that was actually responsive.
Highly recommend Joni B Kojo ????
Valley Mortgage Financial and Joni are the best! Over the last 15 years, I have used Joni for numerous rental properties and personal residence, including several no-cost refi's to take advantage of interest rate drops. Joni is great and easy to work with!
Very Professional, Positive experience
Great customer service. Joni went above and beyond to help me out and get me a great rate and terms on my re-fi.
Our experience with Valley Mortgage Financial was exemplary, by any measure. Joni stayed right on top of the process and assisted us when it became a bit confusing. There was no switching of loan terms or hidden fees. While the mortgage process can be quite arcane and overly complicated, Valley Mortgage made it clear and simple for us. Our loan closed in the prescribed time and without a hitch!
I was recommended a loan officer that a friend of ours used for their home refi. After getting some run around and finally a quote it was obvious to me I needed to look elsewhere. Joni at Valley Mortgage Financial checked all the boxes and got us a great interest rate and loan. Joni was available throughout the process and we closed less then 45 days as expected.
Had a great experience with Joni. He found me a great rate and then, six months later, he reached out again because the rates had dropped so much that he could save me even more money! Joni made sure the process was smooth and quick. Very satisfied customer here.
Joni was good to work with and on top of everything throughout the process especially that everything is now virtual. Didn't have to leave the house. Got a great rate and terms.
I have used Valley Mortgage Financial twice now and in both instances Joni Kojo was superb! His customer service is like none I have seen before. Joni is quick to respond and kept me updated throughout the entire process. He took the time to answer any questions/concerns as well as walk me though the paperwork process from start to finish. I highly recommend Valley Mortgage Financial.
Joni was very helpful and knowledgeable. He got me the best lowest possible Rate.
Responsive and Professional. A pleasure to work with.
Had a good experience here with Joni working on my mortgage refi. I studied Finance and have worked in the financial industry for most of my career, and I have pretty high expectations of other professionals in the industry that in the past have not always been met. I chose this lender because they had the best combination of rates and costs for my loan, and he was very forthcoming with the data points and made it easy for me to compare as I was shopping. Pleasant to work with, patient, good at explaining the process steps without condescending, and it was very convenient in these days of COVID to sign all the docs online and only do a short session with the notary for the wet signatures.
I had a great experience with Valley mortgage. Joseph in particular was very helpful. They managed to do everything even with all the Covid limitations
Joni was fantastic to work with. He was always responsive and did what he said he would do. I had shopped around for the best rate and Valley Mortgage was the most competitive. Closing was seamless and under 30 days. I highly recommend Valley Mortgage Financial!
Joni and Joseph are fantastic! I will challenge all of you to find a better mortgage company that can beat their rates and with the lowest cost. Refi or new, they are simply the best.
Working with Joni Kojo was a very good experience. Joni is very helpful, professional and patient with everyone. Refinancing was not as stressful as it could of been, with Joni's help....highly recommend Valley Mtg. Financial and Joni.
Great 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!!
Joni B Kojo at Valley Mortgage Financial did a superb job of moving our refinance through in record time. it was just a little over 3 weeks from application to funding. Online refinance worked very well.
I contacted Valley Mortgage on 12/29/2020. I received a very prompt response. I was given accurate information about costs and out of pocket expenses. Everything was straight forward. Documents were submitted electronically. We were in a bit of a rush to close as I was changing jobs. The loan funded today. If you want an honest, responsive broker for you mortgage needs this is the place. I’ll be letting anyone I know about Valley Mortgage Financial. Couldn’t be more pleased. Easiest refinance ever!
Where to begin? We can not say enough good things about Joni Kojo & his team at Valley Mortgage Financial. He was quick to respond, always on top of things & kept us in constant communication. Our refinance was a bit trickier than most because of a 2nd pool mortgage. We wanted to keep it as a 2nd on the house to pay it off.
Joni was more than willing to go that extra mile to help us out. He took care of all the paperwork personally & was a huge help thru the whole process. If we ever need another mortgage product again I know who to call. Thanks, Joni you saved me 5 years off my original loan & thousands off interest that WON'T go to the darn banks!!! I certainly recommend Valley Mortgage Financial, they didn't waste time & got things rolling fast!! PB
Quickly and efficiently refinanced my mortgage. There were able to get me into an unbelievably low rate despite my credit score, and shaved 100's off of my mortgage. I will definitely be doing business with them again!
Joni at Valley Mortgage Financial is absolutely the best option there is for home mortgages/refinances. I had spoken with at least seven different mortgage companies before finding Joni. Beyond offering by far the lowest rate, Joni was honest, expedient, and made the ENTIRE process easier than even an introductory call with any other mortgage company. My loan was funded yesterday and now I can't stop recommending Joni to all my friends and family because I am still flabbergasted at how low my refinance rate was and how fast/easy the process was. Well done Joni & Valley Mortgage Financial!
This is my third refi with Valley Mortgage. After shopping rates Johni and Joseph beat other competitors by at least 1/4%. I have referred several friends and family due to their competence, experience and low fee structure.
Overall I had a great experience. The process was very seamless and easy. Joni did a great job of explaining all the documentation and costs. He was always available for questions and was quick with responses. Locked in a great rate. I would highly recommend them.
Worked with Joni throughout the entire loan process. EXCELLENT CUSTOMER SERVICE and follow through. We were walked through the entire process with all questions and concerns answered promptly and thoroughly. Joni facilitated any assistance needed. We, without hesitation, recommend them for all your mortgage needs !!! This was the most efficient and seemless refinancing process we have experienced.
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.
Simple, fast, courteous - the best rates & experience in mortgage loans/refinancing I've had in 30 years!!
Joni is the best! Made our refinance process super easy and fast. Very honest and would HIGHLY recommend to anyone looking for a new loan or to refinance. He also has the lowest rates around!
Joni was awesome!!! easy to work with. Knowledgeable. always returns calls immediately. would give 10 stars if it was an option
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...
Very helpful. They took the time to answer all my questions so I could understand the process.
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 Kojo is amazing to work with. So satisfied with all his services he has provided for me and my family. Highly recommend!
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!!
If we could rate Joni (and Joseph) with Valley Mortgage Financial more than five stars, we most certainly would! Working with Joni to refinance our home was a delightful experience from beginning to end. Joni delivers above par customer service – he is an excellent communicator, was very responsive to all of our questions and concerns and always demonstrated professionalism, kindness, patience and superior knowledge of the mortgage business.

Our current home is the largest and most important investment of our lifetime, so we naturally wanted to make sure we were in good hands when it came to re-financing so that we could secure the best rate possible with the right mortgage professional who we could trust. It was comforting to know we had Joni in our corner as our advocate. We always felt reassured knowing that our best interest always came first and that we could truly trust Joni’s guidance.

Joni always presents with a smile and warm spirit while unfailingly demonstrating trustworthiness, transparency and the highest level of integrity. He worked diligently on our behalf until the very end and we could not be more pleased with his services. We will always use Joni to assist us with any future mortgage needs and would recommend him to anyone because we know that his honesty, integrity and the excellent experience that we had with him is standard service for Joni! Thank you Valley Mortgage Financial!
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 alway able to get me .5% lower. Very good service and able to get thing done.
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.
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.
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.
Received a pre-approval letter from this company. When it was time to proceed, they said they couldn't get the deal done. I will not deal with this company ever again.
Best service I have ever had! from the time I called for information until the time I closed I had no trouble. everything was done in a timely mannor and the rate I got was better than most places I called. Everytime I called I was rated with priority and all my phone calls were returned promptly the same day. I have sent a couple of my friends and some family members to Vally Mortgage Financial and they were pleased as well Vally Mortgage has surpassed my expections as an honest company to deal with. I will use them in the future if I need to refinance or move. My family and friends feel the same.