Valley Mortgage Inc

VALLEY MORTGAGE – THE AREA’S PREMIERE, INDEPENDENT MORTGAGE LENDER. 

Home Mortgage. New Construction Loans. Refinancing. Vacation Home Loans. 

We began serving area folks with their home mortgages, new home construction loans, mortgage refinancing and vacation home financing in 1983. Our first office was in Fargo, North Dakota. Today, our headquarters is still in Fargo. We are local. Locally owned and operated, Valley Mortgage is the largest mortgage lender in North Dakota and northern Minnesota, not a broker who sends your information to someone at a desk somewhere across the country.   We have the financial strength, the experience and knowledge – along with the finest staff – to provide unsurpassed personal service, very competitive rates and the smoothest process in the area. You are always treated with respect and never considered just another file number.

EVERYTHING is handled in our local, Fargo office: Pre-Approval, information sourcing, underwriting, loan approval, funding, closing. We are local people: to call, email or meet with personally.  Check out our many “happy customer” reviews". We are humbled that so many folks write these great messages about their experience with Valley Mortgage.  

Unlike the giant out-of-state mortgage or big bank websites, you can sit across the table and talk with us. Since all decisions are made in our office, you can expect accurate, fast information and responses to all your questions. This personal connection is why we’ve been successfully providing area individuals and family home buyers, those building new homes, folks wishing to refinance their current mortgage, or those wanting to finance a lake property or vacation home with information, personal service, low rates and many loan choices for nearly four decades. 

Home Mortgage | New Home Construction Loan | Mortgage Refinancing | Conventional | Fixed Rate and ARM | First Time Homebuyer | FHA  | VA | USDA Rural | ND Housing

Our ultimate goal is to create lasting relationships with each of you so we may continue providing excellent mortgage loan service to you, your family and friends.  Referrals from happy customers are our best advertising we can hope for and we've built a solid business because of having served so many happy folks several times. Unlike many of the larger, out-of-state 1-800-number nationwide mortgage companies, all your information will be kept secure and private. Our name is trusted throughout the community. To speak directly with an experienced mortgage professional simply give us a call anytime at 701-461-8450 or feel free to utilize any of the interactive tools offered throughout our website. We look forward to working with you.

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Best, Lowest Rates

Many banks and mortgage brokers advertise they have the lowest interest rates. Really? Don’t be so sure. Interest rates can change daily, hourly at times. NO ONE should claim they have the lowest rates – it’s very misleading. At Valley Mortgage, we have many mortgage loan programs. The interest rate for you may be different than another family. It all depends on several factors. That’s why we are honest and straight forward. We have an entire menu of loan programs at very competitive rates. We’ll visit with you, gather some information, and present the best program with the lowest possible interest rate to fit your financial situation. 

Valley Mortgage is the largest independent mortgage LENDER in North Dakota and northern Minnesota. We are not a mortgage broker who sends your information to someone at a desk across the country. 

EVERYTHING is handled in our local, Fargo office: Prequalification, information sourcing, underwriting, loan approval, funding, closing. We are local people to call, email or meet with personally.  

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