What Our Clients Are Saying

Maria G

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.

Kenneth S

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

Lida LR

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!!

Chester S

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.

Thi L

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

Cen C

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!!

Marco E

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.

Mathew R

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

Jake G

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.

Rachel W

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!

Elizabeth 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...

Andrew B

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

Mag P

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

David L

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.

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.

Maria G

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

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