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Valley Mortgage – the Area’s Premiere, Independent Mortgage Lender. 

Home Mortgage. New Construction Loans. Refinancing. Vacation Home Loans. 

If you are reading this, you’ve likely done an internet search or entered our website address. You probably are curious about a home mortgage or refinance program

Unlike the giant out-of-state mortgage websites or big banks, Valley Mortgage is local. Our home office is located in Fargo, North Dakota. We’ve been here for more than 38+ years. You can sit across the table from us. This personal connection is why we’ve been successfully providing area individuals and family home buyers, those building new homes, families wanting to finance a vacation home or lake property and folks wishing to refinance their current mortgage with information, personal service, low rates and many loan choices for nearly four decades. We offer a variety of loan programs with very competitive interest rates. Let’s talk

The big mortgage folks want you to first 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 us, talk with us, and feel confident that we have your best interest in mind. For more about Valley Mortgage click here, or 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.

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Best, Lowest 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. At Valley Mortgage, we have many mortgage loan programs. The interest rate for you may be different than another family. It all depends on several factors. That’s why we are honest and straight forward. We have an entire menu of loan programs at very competitive rates. We’ll visit with you, gather some information, and present the best program with the lowest possible interest rate to fit your financial situation. 

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: Prequalification, information sourcing, underwriting, loan approval, funding, closing. We are local people to call, email or meet with personally.  

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