Whether you are searching for your first home, or you are a seasoned homeowner, Valley Mortgage, Inc. is your choice for home loans, new construction loans and mortgage refinancing in the Fargo-Moorhead and surrounding areas. We originate all types of loans including ND Housing Finance Agency, FHA, VA, Rural Housing and Conventional, even loans for folks who are credit challenged. We finance homes throughout the metro area and all rural areas throughout North Dakota and Minnesota. We have been in the home mortgage business since 1983. As an independent mortgage lender, we work with you from start to close, making all the decisions in our Fargo office. We don't rely on processors and underwriters halfway across the country. Our success is based on serving our customers well for more than 35 years. That's why we are the largest independent mortgage lender in North Dakota.