Our residential lending experts will guide you every step of the way

To begin, choose what situation fits you best or find home loan consultant to help you.

 
Buying Your First Home
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Buying Your First Home

Ready to buy a home? One of our lending specialists can guide you through the entire process from application to closing.

Buying Your Next Home
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Buying Your Next Home

Whether you're looking to upgrade your current home or buy a vacation or second home, our Home Loan Consultants can help you understand your options.

Building a Home
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Building a Home

Working as a team with you and your builder, we will assess your plans, timetables and all costs associated with your new home to find the financing option that’s right for you.

Mortgage Refinancing
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Mortgage Refinancing

Whether you're looking to lower your interest rate, reduce your monthly payments, switch from an adjustable to a fixed rate or consolidate bills, a mortgage refinance could be the solution for you.

 

Getting a mortgage shouldn't be difficult. We're here to help


 
One of our experts can assist you
hidden text to fill headerFind a Home Loan Consultant

One of our experts can assist you

Our experts will evaluate your situation and help you arrive at the home financing solution that works best for you.

Check out our mortgage rates
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Check out our mortgage rates

Browse and compare today's current mortgage rates for various home loan products.

Learning Center
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Learning Center

Find helpful articles and resources to guide you toward the right financial decisions.

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Loyalty Checking
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Loyalty Checking

We offer more than the right mortgage, we offer the right relationship. As a valued mortgage customer you can earn $400 cash back.

Home Equity Line of Credit
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Home Equity Line of Credit

Whether your're updating your kitchen, bathroom, bedroom or even new landscaping, a Home Equity Line of Credit can help make your home feel like new again.

Title Services
hidden text to fill headerInsurance

Title Services

Valley's team of title insurance experts are here to guide you every step of the way.

  • Disclosures
    As of 12/10/2018, an example that illustrates typical terms for a $300,000, 30 year fixed rate loan with a 25% down payment, has an APR of 4.082% and monthly payment of P&I of $1,432.26. This APR is accurate as of 12/10/2018 and is subject to change. The rates and APRs may be different for loans that exceed the conforming loan limit of $424,100 (i.e. Jumbo Loans). Down payments of less than 20% will require private mortgage insurance. The estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Rates and APRs are subject to change without notice. Subject to credit approval.


    First Time Home Buyer Program is available for first time homebuyers of single family, owner occupied homes and Valley approved condominiums with a minimum loan amount of $100,000 and a maximum of $1,000,000, and for 2-4 family, owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. Mortgage must be in first lien position. Cash rewards are deducted from fees due at closing. Teen Checking and My Loyalty Checking not eligible. Subject to credit approval. Additional terms and conditions may apply. Offer may be withdrawn at any time.

    For all programs, applicant will be responsible at closing for payment of interim interest and for funding an escrow account for real estate taxes and insurances. Applicant will also be responsible for payment of all settlement items between applicant, as buyer, and seller for the purchase of applicant's home, and for applicant's attorney fees.

    Ask your Valley representative for complete details regarding all of our mortgage loan programs for purchases.

     

  • Valley NMLS Licensees
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Customer Service

We're here to help

At Valley, we take pride in our exceptional and friendly customer service. We are staffed with a team that is knowledgeable, experienced and dedicated to the needs of our customers. Simply call 800-522-4100 from 6 AM to 11 PM ET to talk to one of our knowledgeable banking professionals about your banking relationship at Valley.