About Us

Our team at Valley Mortgage is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area.  Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, we can help you find the right loan program at the lowest market rate.  Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.  Our name is trusted throughout the community.

To speak directly with an experienced mortgage professional simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout the site.  We look forward to working with you.

Our Story

Valley Mortgage Financial is a family owned and operated Mortgage Banking company that has been serving Arizona since 2001. We pride ourselves on being masters in matching borrowers with the best program on the market for their specific needs.

We always strive to build a long-lasting relationship with our clients and as a result our business grew from our customer base and referrals.

What Our Clients Say

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 always able to get me .5% lower. Very good service and able to get thing done

Thi L

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

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