Construction & Investment Loans Loans For Your Dream Projects
Build, invest, and secure
your ideal property with Valley Strong
Whether you're building your dream home, finding the ideal lot, or investing in property, Valley Strong has financing options tailored to meet your specific goals.
CONSTRUCTION LOANS: BUILD YOUR DREAM HOME
Are you hoping to build your dream home? Valley Strong can help! Our construction loans provide the perfect financing solution to turn your vision into reality.
- Loan amounts up to $3,000,000
- One-Time Close: Purchase your lot and finance your construction all in one transaction
- Finance up to 90% of the total project cost
- Interest-only payments during the construction period
- Option to lock in the rate at the time of construction with float-down options
- Pay closing costs only once
LOT LOANS: SECURE THE PERFECT LOCATION
Location is everything! Building your dream home starts with the perfect lot. Valley Strong offers competitive financing options to help you acquire your ideal piece of land.
- Borrow up to 60% of the contract sales price or appraised value
- No private mortgage insurance required
- Competitive interest rates
- No prepayment penalty
- Loan amounts up to $500,000
ADDITIONAL TERMS
- Purchase transactions only; no refinancing currently
- 10-year loan with 30-year amortized payment
- Balloon payment due at the end of 10 years
- 1% origination fee and flat fee of $500
- Owner-occupied and second home purposes only; no investment properties
- If utilizing the Custom Construction loan program, all lender fees from the Lot Loan will be credited to the cost of the new Construction Loan
- Appraisal required and performed by Valley Strong Appraisal Management Company
- Minimum credit score of 675
- No raw land; lot must be improvement-ready
- Other terms may apply
INVESTMENT HOME LOANS: FINANCE YOUR PROPERTY ASSET
Looking to invest in real estate? Our Investment Home Loans provide flexible options for purchasing or refinancing a property not being used as a primary residence.
- Available for non-owner-occupied single-family residences, condos, Planned Unit Developments (PUDs), and two- to four-unit properties
- No obligation pre-approval
- Upon approval, an appraisal fee will be collected
FLEXIBLE FINANCING OPTIONS
Choose from a variety of loan products tailored to your needs
EXPERT GUIDANCE FROM OUR LOAN SPECIALISTS
Our experienced loan specialists are dedicated to guiding you through every step of the process.
COMPETITIVE RATES AND TERMS
Take advantage of our competitive interest rates and flexible terms designed to suit your financial situation.
STREAMLINED APPLICATION PROCESS
Experience a hassle-free application with our user-friendly online system.
I can’t thank Valley Strong enough for helping me build my dream home! Their team made everything so easy, and I loved having flexible financing options. They were there every step of the way, and now I’m finally in my new home!
Jessica T.
Why Valley Strong should be
YOUR MORTGAGE HOME TEAM
4.7 out of 5
Based on 2,750+ Google Customer Reviews
$1.1B+
Servicing mortgage loans
$110M+
in funded mortgages
7.9K+
homebuyers served
Best Banks and Credit Unions in California 2024
Best-In-State Credit Unions California 2025
Best Banks & Credit Unions in California 2023
Best Financial Institution 31 years in a row
Every Home Buyer is unique
We CREATE unique solutions
Everyone has a unique situation when buying a home. See how our expert home advisors can help you find the home buying solution that is the best fit for you.
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Stress-Free Renovations
Peggy & Don L.
Valley Strong Members and happy home owners since 2023
Denise Sullivan
Valley Strong Mortgage Advisor"My husband and I wanted to write a short thank you to tell you how professional and helpful Denise Sullivan was when we applied for our new loan, she was so helpful and easy to contact, we were impressed. She explained everything clearly all through the process, we knew every state of our loan and there was never a moment of stress. She helped us from start to finish and we are really impressed with the way we were treated. We will recommend Valley strong to others. "
Down Payment: 10% - $25,000 • Mortgage Costs: $2,950/mth • Additional Costs: $675/mth
Total Monthly Payments: $3,625
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Constructing Partnerships
Ronnie T.
Valley Strong Members since 2020
Julia Glaser
Valley Strong Construction Loan Specialist"One of the big reasons I partnered with Valley strong was due to their commitment to customer service. I wanted the process to be simple and straight forward.
So when I applied for a construction with Julia, she really made it easy and understandable for me. She communicated via phone or email on important subjects and gave quick updates that I really appreciate since I have a busy work schedule."
Valley Strong Construction loan
Down Payment: 10% - $25,000 • Mortgage Costs: $2,750/month • Additional Costs: $724/mth
Total Monthly Payments: $3,474/month
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Personalized Experience
Mingwie L.
Valley Strong Members since 2021
Alejandra Larios
Valley Strong Mortgage Production Manager"I recently obtained a mortgage through Valley Strong Credit Union, and my experience was exceptional. The loan officer, Alejandra, and the mortgage team were incredibly friendly, professional and responsive, making sure I fully understood the loan terms. They went above and beyond to help me choose a mortgage that perfectly met my needs. I highly recommend the mortgage team of Valley Strong Credit Union for anyone looking for a smooth and personalized mortgage experience."
Valley Strong Fixed Rate mortgage
Down Payment: 10% - $27,500 • Mortgage Costs: $2,600/month • Additional Costs: $690/mth
Total Monthly Payments: $3,290/month
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Transparent Purchasing
Patrick B.
Valley Strong Members since 2015
Katie Shannon
Valley Strong Mortgage Advisor"We recently had the pleasure of working with Valley Strong and couldn’t be more thrilled with the experience. From the very beginning, they were incredibly knowledgeable, transparent, and supportive. They took the time to explain every step of the mortgage process, making it easy to understand and navigate. Sarah and I are self-employed so we understand how difficult the loan process can be. We highly recommend Valley Strong to anyone looking for a trustworthy and reliable mortgage professional."
Valley Strong Adjustable Rate mortgage
Down Payment: 10% - $27,500 • Mortgage Costs: $2,850/month • Additional Costs: $710/mth
Total Monthly Payments: $3,560/month
Find Your Perfect Fit with
Valley Strong Loans
With Valley Strong, you have access to tailored financing solutions for construction, land acquisition, and investment properties. Our team is committed to helping you navigate your options, ensuring you find the perfect fit for your financial goals.
Construction Loans
Finance your dream home with a one-time close
Lot Loans
Secure your ideal location with competitive rates
Investment Home Loans
Build your property portfolio with ease
*APR= Annual Percentage Rate. Rates are based upon creditworthiness; your rate may differ depending on Combined Loan-to-Value (CLTV), and other underwriting factors. Information displayed above on rates, loan products and fees are the most current available and is subject to change without notice. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Rates effective per date listed at top of table.
The displayed Annual Percentage Rates (APR) for the loan products shown in the table above reflect the interest rate and the approximate cost of prepaid finance charges, including points, but does not include other costs or discount points. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. For example, loans with LTVs in excess of 80% typically require mortgage insurance which will increase both your APR and monthly payment.
All applications are subject to credit approval; not all applicants will be approved. Programs, rates, and terms and conditions are subject to change without notice. Full income and asset documentation are required. Loan secured by a lien against your property. Interest rates, points, and Annual Percentage Rates (APRs) may differ by product and State and be adjusted based upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose.
Mortgage loans may not be available in all areas. Estimated payments do not include amounts for taxes and insurance and your actual payment may be greater.
Homeowner's property insurance is required. Flood insurance may be required. Loan together with any other mortgage(s) cannot exceed 85% of the property value in 1-unit owner-occupied properties. Applicable appraisal fees may vary and range between $450-$650. Consult your tax advisor regarding deductibility of interest and charges.
For Payment Examples, click on individual APRs in the table above.
5/5 ARM is the Secure Overnight Financing with a change in the initial margin and adjustment period occurring once every 5 years thereafter until the loan is paid off.
Leticia Esqueda
Valley Strong Mortgage Advisor
Whether you're buying your first home, building your dream house, or refinancing to save money, having a knowledgeable mortgage loan consultant is crucial. I can walk you through each step, making sure you get the best rates and terms available, tailored to your needs
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
San Joaquin | Solano | Tulare/Kings
Leticia.Esqueda@valleystrong.com (559) 226-9787 | NMLS# 411105
Julia Glaser
Valley Strong Construction Loan Specialist
No matter if you're investing in a home, planning a new build, or refinancing, having a skilled mortgage consultant makes all the difference. I'll provide guidance every step of the way and help you find the perfect loan with the most favorable rates and terms.
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
Kern County
Julia.Glaser@valleystrong.com (661) 833-7078 | NMLS #747795
Alejandra Larios
Valley Strong Mortgage Production Manager
If you’re looking to buy, build, or refinance, partnering with an experienced mortgage consultant is essential. I’m here to ensure you get the best rates and loan terms that fit your financial situation, guiding you from application to closing.
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
Kern County
Alejandra.Larios@valleystrong.com (661) 833-7049 | NMLS #1495935
Efrain Martin
Valley Strong Mortgage Advisor
From purchasing a new home to refinancing an existing mortgage or funding a construction project, it's essential to have an experienced loan consultant by your side. I’ll help you navigate the loan process smoothly and ensure you’re getting the best possible deal.
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
San Joaquin | Solano | Tulare/Kings
efrain.martin@valleystrong.com (559) 226-9751 | NMLS #982928
Katie Shannon
Valley Strong Mortgage Advisor
Whether you're buying a home, building, or looking to refinance, working with a seasoned mortgage consultant is key. I am here to help you navigate the loan process efficiently, making sure you have access to the most competitive rates and programs available.
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
San Joaquin | Kern
katie.shannon@valleystrong.com (661) 833-7876 | NMLS #524455
Denise Sullivan
Valley Strong Mortgage Advisor
Purchasing, building, or refinancing? Whatever your goal, it’s vital to have a trusted mortgage consultant guiding you. I'll make sure you have the best loan options and interest rates, so the process is smooth and stress-free for you.
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
San Joaquin | Solano | Kern
denise.sullivan@valleystrong.com (661) 833-7751 | NMLS #1745401
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Mortgages to Suit All Dreams
find your home loan
Discover a spectrum of choices from stable 30-Year Fixed loans to flexible Adjustable Rate Mortgages, and even comprehensive solutions for construction and investment properties. Your perfect plan awaits.
FIXED RATE MORTGAGES
Lock in your rate long-term for predictable payments, giving you peace of mind throughout the life of your loan.
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ADJUSTABLE RATE MORTGAGES
Opt for a shorter term with higher payments, which allows you to build equity quickly and save on total interest.
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CONSTRUCTION, INVESTMENT & LOT LOANS
Ideal for pricier homes, this mortgage offers stable payments over 30 years for loan amounts that exceed standard limits.
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