Mortgage Solutions
Loan Products for Every Buyer
From first-time purchases to investment properties, Valley Properties offers a full range of mortgage solutions tailored to your needs.
Get Pre-ApprovedFinding the right loan starts with the right broker
As an independent mortgage broker, we work with dozens of lenders to match you with the loan that fits your goals — not just the one that's easiest to sell. Here's a breakdown of the products we offer.
Purchase Loans
Most PopularCompetitive financing for buying your next home
Whether you're buying your first home or your fifth, we'll help you navigate the purchase process with confidence. We shop preferred lenders to secure competitive rates and work to close on your timeline.
Ideal for
First-time buyers, move-up buyers, and anyone purchasing a primary residence or second home.
Key highlights
- Fixed and adjustable rate options
- Down payments as low as 3%
- Pre-approval letters within 24 hours
- Preferred lender relationships for faster closings
Refinance
Lower your rate, reduce your payment, or tap into your home's equity.
Refinancing can save you thousands over the life of your loan. We'll analyze your current mortgage and identify whether a rate-and-term refinance or cash-out refinance makes sense for your situation.
Ideal for
Homeowners looking to reduce their rate, shorten their loan term, or access equity.
Key highlights
- Rate-and-term refinance to lower monthly payments
- Cash-out refinance for home improvements or debt consolidation
- Streamline refinance options for FHA and VA loans
- No-cost refinance options available
FHA Loans
First-Time BuyersGovernment-backed loans with low down payments and flexible credit requirements.
FHA loans are insured by the Federal Housing Administration and are designed to make homeownership more accessible. They're a popular choice for first-time buyers who may not have a large down payment saved.
Ideal for
First-time buyers, buyers with limited savings, or those rebuilding credit.
Key highlights
- Down payments as low as 3.5%
- Credit scores as low as 580 considered
- Competitive interest rates
- Available for single-family homes and multi-unit properties
VA Loans
VeteransExclusive mortgage benefits for veterans and active-duty service members.
VA loans are one of the most powerful home financing tools available. Backed by the U.S. Department of Veterans Affairs, they offer significant advantages over conventional loans — including no down payment requirement.
Ideal for
Active-duty military, veterans, and eligible surviving spouses.
Key highlights
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Available for purchase and refinance
Jumbo Loans
Financing for high-value properties that exceed conventional loan limits.
For properties priced above the conforming loan limit, a jumbo loan provides the financing you need. We work with lenders who specialize in jumbo products to find competitive rates for luxury and high-value properties.
Ideal for
Buyers purchasing higher-value homes
Key highlights
- Loan amounts above conforming limits
- Fixed and adjustable rate options
- Primary residence, second home, and investment property
- Competitive rates for well-qualified borrowers
Conventional Loans
Flexible, widely-used financing for buyers with solid credit and stable income.
Conventional loans are not government-backed, which means they often come with fewer restrictions and can be used for a wider range of property types. They're a great fit for buyers with good credit and a stable financial profile.
Ideal for
Buyers with good credit, stable income, and at least 3–5% for a down payment.
Key highlights
- Down payments from 3% to 20%+
- PMI removable once 20% equity is reached
- Available for primary, secondary, and investment properties
- Loan amounts up to conforming limits
How the loan process works
Initial Consultation
We learn about your goals, timeline, and financial situation — no pressure, just a conversation.
Pre-Approval
We review your financials and issue a pre-approval letter so you can shop with confidence.
Loan Selection
We compare options across multiple lenders and present the best fit for your situation.
Application & Processing
We handle the paperwork and keep you informed at every step through underwriting.
Closing
We coordinate with all parties to ensure a smooth, on-time closing.
Not sure which loan is right for you?
Talk to a Valley Properties mortgage expert. We'll walk you through your options and help you make a confident decision.