We can get you home faster

   

Whether you are a first-time homebuyer or an experienced homeowner looking for a vacation home or an investment property, you'll benefit from the Valley Mortgage experience.

Our Mortgage Experts are knowledgeable, caring, and local. They will match you with the mortgage that is right for you, choosing from our extensive product menu which includes low to moderate income loans, government sponsored loans, FHA, VA, low down payment loans, jumbo mortgages and so much more.

  

 

    
We can get you home faster

 

      

   

Today's Featured Mortgage Rates

Conforming Loan Programs
Product Rate APR Points Monthly Payment
Conforming 30 Yr Fixed Plus 5.625% 5.796% 1 $1,381.58
VNB Community Advantage 5.375% 5.408% 0 $1,343.93
10/1 ARM 5.500% 6.317% 1 $1,362.69

Residential Mortgages

Product Rate APR Points Monthly Payment

Home Loans

Conforming and Government Loan Programs
Product Rate APR Points Monthly Payment
Conforming 30 Yr Fixed Plus 5.625% 5.796% 1 $1,381.58
FHA 30 Yr Fixed 5.250% 6.134% 0.875 $1,507.46
VA 30 Yr Fixed 5.250% 5.718% 0.75 $1,373.00
VNB Community Advantage 5.375% 5.408% 0 $1,343.93
10/1 ARM 5.500% 6.317% 1 $1,362.69

Home Lending

Product Rate APR Points Monthly Payment
Jumbo 15 Yr Fixed 5.375% 5.573% 1 $5,916.40
Jumbo 30 Yr Fixed 5.750% 5.869% 1 $4,260.08
Jumbo 10/1 ARM 5.500% 6.265% 1 $4,144.86
Jumbo 5/1 ARM 5.125% 6.588% 1 $3,974.75
Jumbo 7/1 ARM 5.250% 6.399% 1 $4,031.09

Today's Featured Mortgage Rates

Conforming and Government Loan Programs
Product Rate APR Points Estimated Payments
# Of Months Amount
Conforming 30 Yr Fixed Plus 5.625% 5.796% 1
359$1,381.58
1$1,377.37
VNB Community Advantage 5.375% 5.408% 0
359$1,343.93
1$1,344.85
10/1 ARM 5.500% 6.317% 1
120$1,362.69
239$1,580.76
1$1,583.38

Home Lending

Product Rate APR Points Estimated Payments
# Of Months Amount
Disclosure
Sample terms assume a borrower with excellent credit history. For conforming and government loans, sample terms are based on a loan amount of $240,000 with a down payment of 25%. For jumbo loans, sample terms are based on a loan amount of $640,000 with a down payment of 25%.

For adjustable rate mortgage (ARM) products, interest is fixed for a set period of time, and adjusts periodically thereafter at the end of the fixed rate period. The interest and payments may increase. The APR for ARM products may increase after loan consummation.
 
Mortgage loans with down payments of less than 25% may have higher APRs than shown, and mortgage loans with down payments of less than 20% may require private mortgage insurance. Upfront mortgage insurance premiums and monthly mortgage insurance premiums are required on all FHA loans. Private mortgage insurance is not required for VNB Community Advantage loans or VA loans but borrowers must pay the VA funding fee for VA loans.

Except for FHA loans, the sample monthly payments do not include taxes and insurance premiums and actual monthly payment obligations will be greater. Sample monthly payment for FHA loan includes monthly mortgage insurance premiums. All loan products are subject to credit approval. Rates are valid as of the date shown and are subject to change without notice. Additional terms, conditions, income limits and location restrictions apply. Speak to a Valley Home Loan Consultant for details.

Refinance Rates

Conforming and Government Loan Programs
Product Rate APR Points Estimated Payments
# Of Months Amount
Conforming 30 Yr Fixed Plus 5.625% 5.796% 1
359$1,381.58
1$1,377.37
FHA 30 Yr Fixed 5.250% 6.134% 0.875
12$1,507.46
12$1,505.14
12$1,502.71
12$1,500.14
12$1,497.44
12$1,494.59
12$1,491.59
12$1,488.42
12$1,485.09
12$1,481.57
12$1,477.87
227$1,348.48
1$1,349.74
VA 30 Yr Fixed 5.250% 5.718% 0.75
359$1,373.00
1$1,372.48
VNB Community Advantage 5.375% 5.408% 0
359$1,343.93
1$1,344.85
10/1 ARM 5.500% 6.317% 1
120$1,362.69
239$1,580.76
1$1,583.38

Home Lending

Product Rate APR Points Estimated Payments
# Of Months Amount
Jumbo 15 Yr Fixed 5.375% 5.573% 1
179$5,916.40
1$5,915.86
Jumbo 30 Yr Fixed 5.750% 5.869% 1
359$4,260.08
1$4,261.94
Jumbo 10/1 ARM 5.500% 6.265% 1
120$4,144.86
239$4,808.14
1$4,810.86
Jumbo 5/1 ARM 5.125% 6.588% 1
60$3,974.75
12$4,799.91
287$4,905.24
1$4,904.10
Jumbo 7/1 ARM 5.250% 6.399% 1
84$4,031.09
12$4,810.63
263$4,860.01
1$4,858.70
Disclosure
Sample terms assume a borrower with excellent credit history. For conforming and government loans, sample terms are based on a loan amount of $240,000 with a down payment of 25%. For jumbo loans, sample terms are based on a loan amount of $640,000 with a down payment of 25%.

For adjustable rate mortgage (ARM) products, interest is fixed for a set period of time, and adjusts periodically thereafter at the end of the fixed rate period. The interest and payments may increase. The APR for ARM products may increase after loan consummation.
 
Mortgage loans with down payments of less than 25% may have higher APRs than shown, and mortgage loans with down payments of less than 20% may require private mortgage insurance. Upfront mortgage insurance premiums and monthly mortgage insurance premiums are required on all FHA loans. Private mortgage insurance is not required for VNB Community Advantage loans or VA loans but borrowers must pay the VA funding fee for VA loans.

Except for FHA loans, the sample monthly payments do not include taxes and insurance premiums and actual monthly payment obligations will be greater. Sample monthly payment for FHA loan includes monthly mortgage insurance premiums. All loan products are subject to credit approval. Rates are valid as of the date shown and are subject to change without notice. Additional terms, conditions, income limits and location restrictions apply. Speak to a Valley Home Loan Consultant for details.



   
   
   

Interest Rates and APRs are subject to change without notice. Mortgage rates valid as of 1/28/2023. See all disclosures



       
  
    

Why choose Valley to buy your next home?

  


   
Buying a Home
             
  

Product Breadth

  

From low down payments to high loan amounts; Government-Sponsored Programs to Adjustable Rate Mortgages, we have numerous options that we can walk you through.

  
Buying a Home
             
  

Hi-Tech Meets Handholding

 

We employ a combination of personalized local service backed by the latest technology to make the process easier for you. The national online lenders simply can’t match it.



      
Buying a Home
             
  

It’s All About Relationships

  

With Valley, it’s never a one and done deal. We will work with you over time to ensure your mortgage remains the right fit for you. And if it isn’t, we’ll help you find a better one.



      
Buying a Home
             
   

Educational Approach

   

From our Journey to Homeownership Webinar to our expert personal guidance, we educate you on mortgages so you can be confident in your decision.

  
Join a Webinar

 
 
Buying a Home
             
  

Valley’s My Mortgage App

  

Apply online, upload your documents from anywhere, and keep track of your progress along the way. Our MY MORTGAGE app makes it all possible.


Learn more


      
Buying a Home
             
  

First Time Homebuyer Programs

  

Valley offers proprietary low down payment programs with additional benefits to First Time Homebuyers



        
  



  
 

 

The 3 Different Phases of Your Home Search



   
Homeownership Webinars
hidden text to fill headerJust Starting Out

Homeownership Webinars

Hundreds of first time homeowners began their homebuying journey with our Journey to Homeownership Webinar. We cover the basics of home financing, determining affordability, improving your credit score and much more.

Get personalized rate and payment estimates
hidden text to fill headerConsidering Your Options

Get personalized rate and payment estimates

Enter different scenarios and we will provide you with numerous mortgage alternatives and their accompanying financials.

Find an expert near you
hidden text to fill headerReady to begin

Find an expert near you

Reach out to one of our local consultants who can help you with pre-qualification and provide you with the guidance and personalized care that you need to land your home.



   


   


    

Disclosures:    

Sample rates and APRs assume a borrower with excellent credit history. For conforming loans, sample terms are based on a loan amount of $240,000 with a down payment of 25%.  For FHA Loans, VA Loans and VNB Community Advantage Loans, the sample terms reflect a down payment of 5%. For jumbo loans, sample terms are based on a loan amount of $730,000 with a down payment of 25%. Mortgage loans with down payments of less than 25% may have higher APRs than shown, and mortgage loans with down payments of less than 20% may require private mortgage insurance.

    

ADDITIONAL INFORMATION ON FHA LOANS, VA LOANS and VNB COMMUNITY ADVANTAGE LOANS

  • FHA Loans are permitted with down payments as low as 3.5%. An initial mortgage insurance premium equal to 1.75% of the loan amount is required and may be financed or paid in cash at closing. Monthly mortgage insurance premiums will also apply. Loan amount restrictions vary by county.

  • VA Loans are available to applicants who meet the eligibility requirements of the VA program with as little as 0% down. Private mortgage insurance (PMI) is not required, but borrowers must pay the VA funding fee, which may be financed or paid in cash at closing. The VA funding fee varies based on the loan to value ratio and will be higher with a 0% down payment.

  • VNB Community Advantage Loans are permitted with a down payment as low as 3%. PMI is not required. Applicants must be first time homebuyers. Income limits and location restrictions also apply.

 

Please speak to a Valley Home Loan Consultant for more information on rates and program terms. All mortgage loans are subject to credit approval. Additional terms and conditions apply. View estimated monthly payments and additional details


    

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