Please carefully read this agreement (“Agreement”) before accessing or using this Internet Website (“Website”). When you access or use the Website, you are agreeing to be bounded by this Agreement, including the liability disclaimers contained below. If you do not agree to the terms contained herein, do not use this Website or download any information from it. Materials on this Website may be accessed, downloaded and printed only for personal and non-commercial use. By using this Website, you agree that you will not use any materials or information found on this Website for any purpose that is unlawful or prohibited by this Agreement, including, but not limited to, the use of this Website from locations outside of the United States of America or if you are under 18 years of age. Your permission to use the Website is automatically terminated if you violate any of the terms contained in this Agreement.
COPYRIGHT AND TRADEMARK RIGHTS
The contents of www.vmfi.com are owned and copyrighted by Valley Mortgage Financial LLC and are protected by the laws of the United States, its treaty countries, and other jurisdictions. All rights are reserved, and no reproduction, distribution, or transmission of the copyrighted materials at this Website is permitted without the written permission of Valley Mortgage Financial LLC. All trademarks, logos, and service marks are the property of Valley Mortgage Financial LLC.
You hereby understand and agree that by using this Website, you automatically and without any further action have established a business relationship between you and Valley Mortgage Financial LLC. As a result, you agree to allow Valley Mortgage Financial LLC to contact you about its business via telephone, e-mail and /or standard mail using the contact information you have provided. You hereby consent to such contact even if your phone number is on any Do Not Call list.
Valley Mortgage Financial LLC STRIVES TO MAKE SURE THAT THE INFORMATION ON ITS WEBSITE IS ACCURATE, BUT INACCURACIES OR ERRORS CAN OCCUR. YOU USE THIS WEBSITE AT YOUR OWN RISK. Valley Mortgage Financial LLC RESERVES THE RIGHT TO CHANGE OR MODIFY THE CONTENT OF ITS WEBSITE AT ANY TIME WITH OR WITHOUT NOTICE. YOUR CONTINUED USE OF THE WEBSITE CONSTITUTES YOUR ACCEPTANCE OF SUCH MODIFIED TERMS. THIS WEBSITE AND ALL OF THE INFORMATION CONTAINED THEREIN ARE PROVIDED “AS IS.” Valley Mortgage Financial LLC DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANYTHING WHATSOEVER RELATING TO THIS WEBSITE AND ANY INFORMATION PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. Valley Mortgage Financial LLC IS NOT LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES CAUSED BY THE USE OF THIS WEBSITE AND/OR THE CONTENT LOCATED THEREON, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER CAUSE OF ACTION. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
You agree to indemnify and hold Valley Mortgage Financial LLC harmless from and against any and all loss, cost, damage, or expense including, but not limited to, reasonable attorneys’ fees incurred by Valley Mortgage Financial LLC arising out of any action at law or other proceeding necessary to enforce any of the terms, covenants or conditions of the Agreement or due to your breach of this Agreement.
GOVERNING LAW AND VENUE
This Agreement shall be governed by the laws of the State of California. You hereby consent and voluntarily submit to personal jurisdiction in the State of California, in and by the courts of the State of California in San Diego County and the United States District Court for the Southern District of California, in any action in which a claim is brought with respect to this Agreement, and you agree that it may be served with process in any such action by hand delivery, courier, overnight delivery service, or certified or registered mail, return receipt requested. You irrevocably and unconditionally waive and agree not to plead, to the fullest extent permitted by law, any objection that it may now or hereafter have to the laying of venue or the convenience of the forum for any action or claim with respect to this Agreement brought in the United States District Court for the State of California or the courts of San Diego County.
This Agreement embodies the entire agreement between the parties and may not be amended, modified, altered or changed in any respect whatsoever except by a writing duly executed by the parties hereto. This Agreement supersedes any and all prior and contemporaneous oral or written agreements or understandings between you and Valley Mortgage Financial LLC. No representation, promise, inducement or statement of intention has been made by you and Valley Mortgage Financial LLC that is not embodied in this Agreement. You and Valley Mortgage Financial LLC shall not be bound by, or liable for, any alleged representation, promise, inducement, or statement of intention not contained in this Agreement. A printed version of this Agreement shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You agree that each provision of this Agreement shall be construed independently of any other provision of this Agreement. The invalidity or unenforceability of any particular provision of this Agreement shall not affect the other provisions hereof. In the event any provision of this Agreement is deemed unenforceable, including, but not limited to, the liability disclaimers above, the unenforceable provision shall be replaced with an enforceable provision that most closely reflects the intent of the original provision.
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.
Joni was awesome!!! Easy to work with. Knowledgeable. Always returns calls immediately. I would give 10 stars if it was an option.
Joni Kojo is amazing to work with. So satisfied with all his services he has provided for me and my family. Highly recommend!
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.