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.

  • Key Benefits
    • Competitive pricing
    • Special purchase programs for first-time homebuyers
    • Educational resources
    • Expert advice
How much home can I afford?
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How much home can I afford?

Make an informed home lending decision, determine how much home you can afford before you buy.

Fixed rate mortgage calculator
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Fixed rate mortgage calculator

Estimate your monthly principal and interest payment for fixed rate home loans.

Adjustable rate mortgage calculator
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Adjustable rate mortgage calculator

See how interest rate assumptions will impact your monthly payments and the total interest paid over the life of the loan.

Mortgage Rates
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Mortgage Rates

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

  • Disclosures

    As of 10/20/2018, 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 10/20/2018 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 Offer may be withdrawn at any time.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.

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Case Study

What to do before applying for a mortgage

Being well prepared for the homebuying journey can help you feel more at ease as you get started.

Learn More