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. 

• Borrow up to 90% of 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 end of 10 years. 1% origination fee and flat fee of $500. Owner Occupied and Second Home purposes only. No investment properties. If utilizing Custom Construction loan program, all Lender fees from Lot Loan will be credited to cost of new Construction Loan. Appraisal required and performed by Valley Strong Appraisal Management Company. Minimum Credit score is 675. No raw land. Lot must be improvement ready. Other terms may apply.
 

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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