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Refinance with Zero Closing Costs

There is no better time than now to save on your mortgage

Valley Strong No Cost Refi

Refinance today with Zero Closing Costs1 and no out-of-pocket costs, including:

• No appraisal fee
• No origination fees
• No prepayment penalties
• No application processing fees


Refinance today!


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.

Check Rates



Understanding Our Zero Closing Cost Mortgage

Here’s What is Covered
There will be no charge for Non-recurring Closing Costs:
Here’s What is Not Covered
These are borrower paid recurring Closing Costs:

• Appraisal and any applicable re-inspection

• Credit Report

• Flood Certification and Monitoring

• Document Fee

• Processing Fee

• Underwriting Fee

• Reconveyance Fee

• Application Fee

• Discount Points

• Tax Service Contract

• Escrow Fee

• Title Insurance Fee

• Notary

• Wire Fee

• Homeowner’s Insurance Premium

• Set up of Impound Account (reserves for Property Taxes and Homeowner’s Insurance)

• Real Estate Taxes

• Interest

• Flood Insurance Premium (if applicable)

• Private Mortgage Insurance premiums (if needed)

• Pest Control, roof, or other inspections as required by property appraisal

Terms and Conditions
1No closing costs means no: origination fees/ points, application fees, flood check fees, credit report fees, appraisal fees, mortgage recording fees, escrow fees, and title fees. Subject to credit approval. Valid on 30-year refinance Conventional Mortgage at a fixed rate. Owner-occupied, primary residential properties only.