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What Our Clients Say

Simple, fast, courteous - the best rates & experience in mortgage loans/refinancing I've had in 30 years!!

Kenneth S

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!!

Lida LR

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!

Rachel W

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