Home Loans
Live your dream
Live your dream
Don’t worry, our experienced Mortgage Loan Officers know how to help you make the right decision when it comes to financing.
Valley Strong is an Equal Housing Lender.
Conventional fixed-rate mortgages are ideal if you're looking for a fixed rate and have the ability to put a down payment of at least five percent.
Fixed-rate Mortgage Rates | |||
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Loan Term* | Rate | Points | Annual Percentage Rate |
30 Year | 3.000% | 0.000% | 3.043% |
20 Year | 2.750% | 0.000% | 2.811% |
15 Year | 2.375% | 0.000% | 2.453% |
10 Year | 2.250% | 0.000% | 2.364% |
Jumbo Fixed-rate Mortgage Rates | |||
---|---|---|---|
Loan Term* | Rate | Points | Annual Percentage Rate |
30 Year | 3.500% | 1.000% | 3.626% |
Are you hoping to build your dream home? Valley strong can help!
Construction loan Rates | |||
---|---|---|---|
Loan Term* | Rate | Points | Annual Percentage Rate |
30 Year - Fixed | 3.500% | 0.000% | 3.688% |
30 Year - Adjustable | 3.250% | 0.000% | 2.790% |
Jumbo Construction loan Rates | |||
---|---|---|---|
Loan Term* | Rate | Points | Annual Percentage Rate |
30 Year - Fixed | 4.000% | 0.000% | 4.273% |
30 Year - Adjustable | 3.750% | 0.000% | 2.973% |
Purchase or refinance a property not being used as a primary residence with an investment loan.
Investment loan rates | |||
---|---|---|---|
Conventional/Conforming – Fixed Rate Investment Mortgage | |||
Loan Term* | Rate | Points** | Annual Percentage Rate |
15 Year | 2.625% | 3.375% | 3.200% |
Rates Effective As Of 12/01/2020. All rates, terms and conditions subject to change. Rates and terms will vary based on the credit worthiness of individual applicants. *Investment Payment Example: A $510,400 loan for 15 years at 3.579% APR would have a monthly payment of $3,525. This example does not include taxes and insurance. Actual payment obligation will be higher. Minimum 20% down payment is required on 1 unit properties. Minimum 25% down payment is required on 2-4 unit properties. Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio. Private Mortgage Insurance is required on loans over 80% LTV. **Base point structures listed are for loan-to-values up to 75%. If you are applying for a loan that has a loan-to-value between 75-80%, then the base point structure is increased by 1.000% additional points. |
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Adjustable Rate Investment Mortgage (ARM) | |||
Loan Term*** | Rate | Points | Annual Percentage Rate |
15 Year 5/5 Adj Margin 1.750% Cap 2/5 |
3.125% | 0.000% | 3.206% |
30 Year/15 Year Balloon³ 5/5 Adj Margin 1.750% Cap 2/5 |
3.500% | 0.000% | 3.347% |
Location is everything! Building your dream home starts with the perfect lot.
lot loan rates | |||
---|---|---|---|
Loan Term* | Rate | Points | Annual Percentage Rate |
10 Year with balloon | 4.000% | 1.000% | 4.474% |
Enjoy great low rates when you buy a manufactured home.
Manufacturing housing rates | |||
---|---|---|---|
Loan Term* | Rate | Points | Annual Percentage Rate |
30 Year | 3.000% | 1.000% | 3.123% |
20 Year | 2.750% | 1.000% | 2.923% |
Bank on your future with a 5/5 Adjustable Rate Mortgage (ARM) loan. They’re perfect if you’d like a primary residence or vacation home and expect an increase in income.
Additional mortgage information:
5/5 ARM Conforming and Jumbo Loan Rates | ||||
---|---|---|---|---|
Loan Program | Loan Term | Rate | Points | Adjustable Annual Percentage Rate |
5/5 Conforming Adjustable Margin 1.750% Cap 2/5 |
30 Year | 2.750% | 0.00% | 2.628% |
5/5 Jumbo Adjustable Margin 1.750% Cap 2/5 |
30 Year | 2.750% | 0.00% | 2.618% |
Adjustable Rate Mortgage (ARM) loans are ideal if you’d like a larger house and expect an increase in income.
Additional information:
7/1 ARM Conforming and Jumbo Loan Rates | ||||
---|---|---|---|---|
Loan Program | Loan Term | Rate | Points | Adjustable Annual Percentage Rate |
7/1 Conforming Adjustable Margin 2.375% Cap 5/2/5 |
30 Year | 3.000% | 0.00% | 3.576% |
7/1 Jumbo Adjustable Margin 2.625% Cap 5/2/5 |
30 Year | 3.250% | 0.00% | 3.749% |
*Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.
If you’re struggling to pay your mortgage, we’re here to help. We have a variety of programs to help you get back on track. Contact us today at (661) 833-7505.
Do you have questions about the home buying process? Would you like to speak with a Home Loan Center Representative to review your options? Contact us today to get started!
Use our online mortgage calculators to find a payment that you’re comfortable with, or easily compare loan options and payments with our free online Loan Consultant. Stop by our Home Loan Center today and talk with an experienced loan professional about what option best fits your needs.