Home Loans

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 interest for the life of the loan.
• Financing available up to 95% of the property value.
• Free 60-day rate lock.
• No obligation pre-approval.
• Upon approval, appraisal fee is collected.

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Are you hoping to build your dream home? Valley Strong can help! 

• One Time Close.  Purchase Lot and finance Construction build all in one transaction.
• Finance up to 90% of the total Project Cost
• Interest Only payments during Construction Period
• Pay closing costs only one time

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Purchase or refinance a property not being used as a primary residence with an investment loan.

• Non-owner-occupied single-family residence, condo(s), Planned Unit Development (PUD), and two- to four-units available.
• Free 60-day rate lock.
• No obligation pre-approval.
• Upon approval, an appraisal fee will be collected.

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Location is everything! Building your dream home starts with the perfect lot. 

• Residential lots only, no raw land or acreage
• Low Down payment (10%)
• 10 year loan with 30 year payment amortization.  Balloon payment due at end of 10 years.

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Enjoy great low rates when you buy a manufactured home.

• Financing available up to 95% when used as a primary residence.
• Free 60-day rate lock.
• No obligation pre-approval.

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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:

• Available for purchase or refinance.
• 5-year fixed initial rate that changes once every five years thereafter.
• 5/5 ARM amortized over 30 years.
• Financing available up to 90% loan-to-value (LTV) of the purchase price or appraised value, whichever is less.
• Private Mortgage Insurance (PMI) on LTVs greater than 80% requirement.
• Free 60-day rate lock.
• No obligation pre-approval.
• Upon approval, an appraisal fee will be collected.
• Rates are tied to the five-year Treasury securities index.

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Adjustable Rate Mortgage (ARM) loans are ideal if you’d like a larger house and expect an increase in income. 

Additional information:

• Available for purchase or refinance.
• Single-family primary residence and vacation homes accepted.
• 7/1 ARM is amortized over 30 years.
• Financing available up to 95% loan-to-value (LTV) on conforming amounts up to $484,350; up to 80% LTV financing for Jumbo Loans on amounts of $484,351 and higher. Based upon purchase price or appraised value, whichever is less. Private Mortgage Insurance (PMI) is required on LTVs greater than 80%.
• Free 60-day rate lock.
• No obligation pre-approval.
• Upon approval, an appraisal fee will be collected.
• Rates are tied to the one-year Treasury securities index.

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Valley Strong is here to meet your energy efficiency needs. Work with any of our preferred contractors and finance your project with our competitive rate loan program.

Program Information:

• Qualifying products - Solar, Roofing, HVAC, Windows, Doors, AstroTurf
• Primary residence only
• Installation must be completed by one of our preferred contractors
• Minimum loan amount $5,000, Maximum loan amount $70,000.
• Maximum loan term of 240 months

Click here to see our preferred contractors