Why Valley Mortgage is the Right Choice 

Unlike the giant out-of-state mortgage websites, independent mortgage brokers or big banks, Valley Mortgage is local. We are the largest Independent Mortgage Lender in North Dakota and northern Minnesota. We are locally owned and managed. We get to know you – and we make the decisions here in Fargo. 

Our approach to residential mortgages and home loan refinancing gives the local consumer, in almost every instance, more choices of programs and options than our competitors. Whether you are a young couple considering buying your first home or an empty nester who may be thinking about moving up to a luxury condominium, we are confident we can provide you with an excellent loan program at very competitive rates. And when it comes to personalized service throughout this complicated mortgage loan process, we'll be right here with you. That's how we've built a successful business in the Red River Valley over more than four decades.

Our home office is located in Fargo, North Dakota. We’ve been here for more than 41+ years. If you read our many reviews, the word “personal” appears often. Our personal service and attention to detail, coupled with outstanding client communication, have earned us thousands of repeat customers.

RENTERS  – Now May Be the Right Time to Buy Your First home. 

For those of you currently living in an apartment, dreaming about owning your own home someday, we may be a perfect fit for you. In the Red River Valley, our economy has remained strong through the ups and downs many other parts of the country have experienced. And even though interest rates are currently higher than they were at their historic lows of a few years ago, this could be the perfect time for you to investigate how purchasing NOW could be financially wise. We would be pleased to have a no- obligation, no-cost conversation about the advantages of home ownership and why now might be a good time to move forward on that dream home search. Let’s talk! 

New Americans - We Specialize in Finding You the Best Program

For several years we have been the "go to" mortgage lender for many New Americans in the Fargo-Moorhead-West Fargo area. We understand the challenges and opportunities for New Americans hoping to build a life in this community, settling in a home of their own. There are many mortgage programs available, including first-time home buyer mortgages.

Please contact us and we can discuss the many opportunities for you and your family. 

How Valley Mortgage is Different

The big mortgage folks want you to give them your personal information BEFORE they give you much information about them. We’re different. We want to provide you with information about us, so you can feel comfortable knowing you can trust Valley Mortgage. For more about Valley Mortgage click here, or better yet, if you’d like to talk with one of our loan officers, call us at 701-461-8450. We look forward to visiting with you soon. Of course, there is no cost or obligation.

Best, Lowest Mortgage Rates?

Many banks and mortgage brokers advertise they have the lowest interest rates. Really? Don’t be so sure. Interest rates can change daily, hourly at times. NO ONE should claim they have the lowest rates – it’s very misleading. Since we are an Independent Mortgage Lender, not tied to a limited mortgage products menu dictated by a large corporation, we have access to more programs and more options than almost any of our competitors. The interest rate for you may be different than another family. It depends on several factors. We have an entire menu of loan programs at very competitive rates. Let us visit with you, gather some information, and present the best program with the lowest possible interest rate to fit your financial situation. 

The Value of Valley Mortgage for You

Valley Mortgage is the Largest Independent Mortgage Lender in North Dakota and northern Minnesota. We are not a mortgage broker who sends your information to someone at a desk across the country. 

EVERYTHING is handled in our local, Fargo office: Pre-approval, information sourcing, underwriting, loan approval, funding, closing. We are local people you can call, email or meet with personally.