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Home Loans

Live your dream

Navigating the home buying process is tricky.

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.

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Loan Types and Rates

  • Fixed-Rate Mortgages

    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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  • Construction Loans

    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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  • Investment Home Loans

    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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  • Lot Loan

    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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  • Manufactured Home Loans

    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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  • 5/5 Adjustable Rate* Loans

    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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  • 7/1 Adjustable Rate* Loans

    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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  • Solar & Energy Efficiency Loans

    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

*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.

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Mortgage Assistance

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.

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Have Questions?

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! 

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How Much Home Can You Afford?

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.

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