Refinance your mortgage today


If you’ve been thinking about refinancing, there’s still time to save. It doesn’t matter whether your current mortgage is with Valley or another lender. We will analyze your current mortgage and let you know whether you may be able to save by refinancing at a different rate and/or term.


Learn more about the My Mortgage App       



New to Valley?


If you haven't connected with a Valley Home Loan Consultant yet, you can get started with your application and someone will reach out to you. 




Apply With Your Home Loan Consultant


Reach out to your Valley Home Loan Consultant (HLC) and they'll send you the link to download our app and easily apply. 




Don't know where to begin? Give us call at 1-888-235-4980You can also see our rates here.


hidden text to fill header


Why refinance my mortgage?


Our trusted home lending advisors will provide you the insight
and assistance you need to complete your goals.

Reduce monthly mortgage payment   

Reduce monthly mortgage payment

Lower your monthly mortgage payments by extending your payoff date past what it currently is, so you're paying less in principle each month.


Lower your interest rate   

Lower your interest rate

Getting a mortgage with a lower interest rate might make a huge difference in your monthly budget and ability to pay off your mortgage faster.



Shorten your loan term

Refinance to a shorter loan term to pay off your mortgage faster and potentially pay less interest over the life of the loan.



Tap into your home's equity

If you're looking to take on a large home improvement project or want to consolidate your higher-interest debt, refinancing your mortgage might help. 

hidden text to fill header


What do I need to apply for mortgage refinancing?

  • Asset information

  • Employment and income history

  • Debt information

  • Social Security Number or other identification number


As of 2/16/2024, a sample $240,000 20-year fixed rate mortgage APR is 7.646% with a monthly payment of $1,933.42. APR assumes a borrower with excellent credit, is subject to change without notice, and may be different for loan amounts above the conforming limit. The estimated monthly payment does not include taxes and insurance premiums and the actual monthly payment will be greater. Subject to credit approval. Additional terms and conditions apply. An Equal Opportunity Lender.