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.
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.
TESTIMONIAL
norm6932 from Fargo, ND
“ Valley Mortgage - always Superstars! Once again (this the most recent transaction of many for us) the Valley Mortgage team found us an incredible refinance package and made it happen without even a s.... ”
user46366559 from West Fargo, ND
“ Kristin Sevald at Valley Mortgage Kristin is very knowledgeable, helpful and great at her job! We were able to be preapproved, bought and closed on a house all without even meeting in person during C.... ”
Zachary G. from West Fargo, ND
“ Fantastic to work with! Angela was a pleasure to work with. She was more than willing to answer any and all questions we had and did so in a timely fashion. Would highly recommend her to anyone looki.... ”
JamesOToole0 from Fargo, ND
“ Amazing Brian couldn’t have made it any easier to work with, he made sure we were always up to date on anything going on and as a first time home buyer he really helped us with everything we di.... ”
RebeccaJoy54 from Barnesville, MN
“ FANTASTIC! Kristin was awesome through the whole process! We got a great rate and she always answered every question we had in great detail. I can't recommend Kristin enough! .... ”
Rachel and Wesley from Fargo, ND
“ Extremely communicative Angie was up front and always willing to answer questions. I love how she was quick with email responses and even spoke on the phone with me on weekends. .... ”
derek wiseman 1 from Moorhead, MN
“ Repeat Client I've now worked with Brian and Andrea at Valley Mortgage on three occasions; two home purchases and a refinance. There's a reason I continue to go back. Professionalism, knowledgeable, .... ”
Jordan Linstad from Fargo, ND
“ Great Experience First time going through the process. Angela made everything easy and kept me confident that everything was done on time and correctly. Angela was wonderful and I would recommend any.... ”
S Kleininger from Fargo, ND
“ Effortless Working with Valley Mortgage was so easy and effortless. With the stress of purchasing a new home, they were available for any questions and response time was quick. Very professional and .... ”
Rebecca Sande from Fargo, ND
“ Highly recommend! The staff are all very nice and helpful. If you have questions, they respond very quickly. Brian and Andrea made the house buying process simple, which was especially important beca.... ”
Alissa Riley from Moorhead, MN
“ Understanding and knowledgable Kristin was very knowledgeable and helpful to us when purchasing our home. We could email or call her anytime with any questions we had. She is an amazing lender from V.... ”
Alyssa from West Fargo, ND
“ A scary process made easy As a first-time homebuyer, I was so nervous about obtaining a loan. Valley Mortgage made the process so easy and communicated honestly with me throughout the while process. .... ”
Melissa Weeks from Fargo, ND
“ Amazing to work with!!! Angela made the first-time home buying process an extremely pleasant one from beginning to end! I was very nervous when I walked in for our first meeting and within minutes sh.... ”
S Kehl from Fargo, ND
“ Highly recommend Brian was great to work with. He was very good at explaining everything to me and getting me pointed in the right direction. For what I wanted and was willing to spend. Was very good.... ”
jmstpie from Davenport, ND
“ Kristen Sevald Mortgage Lender Review Kristin is always available and responded quickly and efficiently during our home buying experience. She worked hard to get us answers and look for our best inte.... ”
abbeyzens from West Fargo, ND
“ Awesome to Work With! Kristin was amazing to work with! She truly is the one who helped us get into our home! We were told it wasn't possible by other banks until we met with her!.... ”
Jake from Moorhead, MN
“ Angie was Great! Angie was great to work with! She is very knowledgeable and was very helpful. She was also very flexible when it came to meeting times and places. I would definitely recommend using .... ”
Jetrey Bond from Fargo, ND
“ Very welcome addition to homebuying Angela was amazing throughout the whole process. She always answered my questions very quickly. And on top of everything, she got me an amazing rate. She made my p.... ”
Taylor Rix from Sabin, MN
“ Great Company!! Brian was so awesome to work with!! My husband and I found a house we absolutely loved the Friday before Easter weekend. He got in touch with us over the Holiday and got us pre-approv.... ”
Simpson from Detroit Lakes, MN
“ Fantastic Angie is amazing at what she does, everything went smoothly and she is extremely knowledgeable. We found the perfect home for our family and they were thorough and fast to close. We’l.... ”
from Grafton, ND
“ Couldn’t have asked for a better lender Working with Kristin made the house buying process very easy. Her communication was phenomenal. She was always available when we had questions. She recom.... ”
Jackie Hernandez from Grafton, ND
“ You can’t find a better lender than Kristen. Kristen made buying a home a walk in the park. She was approachable, friendly, and was always available when we needed her. The entire stigma of buy.... ”
Beto Haugen from Mapleton, ND
“ Amazing!! My husband and I had lived in our home for 17 years, so the process of buying a new home seemed a little overwhelming. We were referred to Angela at Valley Mortgage and she made the w.... ”
Jason Earley from Moorhead, MN
“ Very good company to work with!! Brian was amazing and very helpful to work with!! I highly recommend working with him on your home loan!! When I had questions about my loan or what was needed, he wa.... ”
Cassie Schmidt from Horace, ND
“ Can’t get any better! Purchasing a home is probably the biggest investment you’ll make in your lifetime...so do yourself a favor and let Angie help you! I cannot stress enough how knowled.... ”
E R Lundby from Moorhead, MN
“ Great Interpersonal skills, quick responses, and never felt pressured! I highly recommend Brian Johnson. He presented us with options, answered our many questions, gave us competitive rates and never.... ”
Megan Vangerud from Moorhead, MN
“ Great Experience Brian was great to work with as we were buying our new house. He worked with us to get the best rates and was always available. He kept us updated and made the whole experience as st.... ”
Chad Pinske from West Fargo, ND
“ Valley Mortgage Kristin was Very helpful. She was able to assist me with everything and answer my questions. She is very professional, and good to work with. I would definitely work with her again..... ”
Karen Reams from Fergus Falls, MN
“ Nothing too much trouble Kristin was more than helpful throughout the entire house purchasing process.Was always ready to answer any questions, no matter how small at any time.She was friendly and ve.... ”
Micaela from Fargo, ND
“ Kristin Sevald Kristin is amazing! she helped us with all the questions we had when we purchased our home! highly recommended! we went into our closing with no questions really because Kristin made s.... ”
J T Carpenter from West Fargo, ND
“ Simply Amazing!! My wife and I had been trying to purchase a home for our family for 4 years. We were never quite able to find the right home so we decided to wait, and then out of the blue, the perf.... ”
Holly Lipp from Moorhead, MN
“ Stress free, easy process! I was purchasing a home on my own for the first time. Brian helped educate me when I had numerous questions. My price point was very important to me and Brian helped me fin.... ”
Cameron from Moorhead, MN
“ Excellent and flexible to work with. Second time we have used Brian for the purchase of a home. He makes it easy, understandable and works within your work schedule for any in-office visits. He worke.... ”
Scott Tiffany from West Fargo, ND
“ Amazing After consulting with a few lenders and being mislead, we were referred to Angela by family members. Being a first-time home buyer she was so helpful and made herself available whenever we ha.... ”
Kshouse from Fargo, ND
“ Phenomenal customer service Kristin was great to work with. From start to finish she made the whole process a lot less stressful for me! She is not one to sugar coat anything and tells you exactly wh.... ”
Sarah G from West Fargo, ND
“ Couldn't have asked for a better lender! Patient and knowledgeable. Kristin made the first time buying experience less scary. Always willing to answer questions. Crunched numbers (many times) to find.... ”
Walter Family from Horace, ND
“ Best Loan Originator in Town From day one, Kristin was a down to earth person and appeared to be more interested in us and our situation rather than just our business. Kristin soon became our go-to c.... ”
Jordan Engelhart from Abercrombie, ND
“ Fantastic Very professional. Hit a snag on my part but was very patient and didn’t rush the process. Very responsive to any questions and concerns we had. Would recommend to anyone..... ”
Katie Melquist from Moorhead, MN
“ Top notch lender!! Highly recommended! Angie was an absolute joy to work with during our home loan process. She is very knowledgeable, has great communication skills, and truly cares about her custom.... ”
Kyle from Fargo, ND
“ Easy and stress-free experience Brian was very friendly and easy to work with. He helped me find a mortgage option that fit my needs. I just told him what I was looking for and he did the rest, it wa.... ”
Lisa Dahl from Moorhead, MN
“ Our experience We had an amazing experience when purchasing are home. It is scary purchasing a new home, but Kristen was so positive and any hiccups that we had she would smooth out very quickly. We .... ”
Tai Davidson from Horace, ND
“ Always Available Kristin responds to emails, text messages, and calls in a very timely manner at almost any time of day. She understands that this is a major life event and treats her customers in a .... ”
Chelsea A from Hoople, ND
“ Amazing! I was so impressed with how personable and efficient Kristin was when it came to getting our first mortgage! She helped us through every step of the process and responded at all times of the.... ”
Andren Whieb from West Fargo, ND
“ Mortgage made easy Brian was very helpful and made the whole process quick and simple. Loan approval was done quickly and he did a great job of explaining everything. Overall a fantastic experience..... ”
whitneymayer91 from Fargo, ND
“ EXCELLENT As a first-time homebuyer Angela put us at ease with our home buying experience. She was thorough, helpful, and ensured we got the best interest rate! She was flexible in meeting with us an.... ”
Chelsea A from Hoople, ND
“ Amazing! I was so impressed with how personable and efficient Kristin was when it came to getting our first mortgage! She helped us through every step of the process and responded at all times of the.... ”
Jennifer D. from Valley City, ND
“ You know she’s good when... Kristin responded to our questions sent via texts/emails promptly, and that included some after hours questions! During closing, the officer even commented that Kris.... ”
johnarnquist from Pelican Rapids, MN
“ Great communication, proactive and fun to work with Kristin got the job done after having trouble with a different lender. She was very knowledgeable, given the circumstances of our loan. Her straigh.... ”
Shelby from Moorhead, MN
“ Great deal Angie was great! She was able to get us a better interest rate than the original lender we had chosen, and she was able to help with an escrow situation we ran into! She is super responsiv.... ”
Camila Stadum from Fargo, ND
“ Above & Beyond We really enjoyed working with Brian and Andrea! We had a very tight closing schedule and they went above and beyond to coordinate all the moving parts and help us get into our new.... ”
J Janguls from Fargo, ND
“ Amazing and flawless experience! This is the second time my wife and I have used Brian and Valley Mortgage and just as before, the experience was great. So knowledgeable and everything is so seamless.... ”
Jennifer Kuntz from Fargo, ND
“ Angie is amazing She was amazing. She was able to get me a great rate. The entire process was straight forward and painless. I was more comfortable with using someone local. Angie answered all of my .... ”
Trish Miller from Davenport, ND
“ Stuck by us for years! We looked and looked for a new home for a few years and we continued to get great service with the process. I never hesitated in contacting Kristin to get what-if scenarios!.... ”
Connie Crull from Moorhead, MN
“ Highly Recommended Valley Mortgage Agent Kristen Sevald is very knowledgeable and easy to work with, assisting me through all the steps to get my loan processed. As I pursued houses in 2 different st.... ”
Donald Williams from Mayville, ND
“ Great experience Angela was very helpful, she understood what we wanted to accomplish and exceeded all our expectations. She presented us with some outstanding choices and helped us achieve our goals.... ”
Vicki J. from Fargo, ND
“ Almost too easy! Working the Brian and Andrea at Valley Mortgage was extremely easy. This is the second house we have bought with them and we would use them again if the need arises. They are knowled.... ”
K Linglogan from Fargo, ND
“ Very Informative and easy process. Will recommend to family and friends. Brian and his staff are very knowledgeable and courteous. He is easy to get a hold of to answer questions and always has an an.... ”
Samantha Porter from Mapleton, ND
“ Wonderful staff to work with Brian and Andrea made the home mortgage process so simple. They were always available for questions and made the whole situation go so smooth. Highly recommend them!.... ”
Jensen from Moorhead, MN
“ Amazing Angela was an absolute joy to work with and a blessing. After our initial lender did not work out, she was absolutely amazing to work with from the very start and made the process easier than.... ”
KHerdegen from Audubon, MN
“ Loan for lake property I was a little fearful of the process. Angie made it very easy and comfortable. Angie has excellent customer service. She very helpful with the whole process. Now I have a beau.... ”
Heather Brasel from West Fargo, ND
“ Wonderful and Professional As a first time homebuyer, Angela was very helpful and able to answer questions whenever they came up. She was quick to crunch numbers for properties and able to provide me.... ”
JC Gregory from Fargo, ND
“ All Around Awesome Angie has been so helpful and easy to work with. She assisted us in finding the perfect option to buy our home when competitors had some troubles. It was the quickest process and s.... ”
Bob Bartlett from Fargo, ND
“ Excellent, informative and friendly staff The first time I stopped in the office I was met by the most energetic and polite staffer. Our loan process was a bit 'tricky,” but Brian was excellent.... ”
Brent D from Fargo, ND
“ Valley Mortgage is awesome As a first-time home-buyer I had a lot to learn. Brian was very friendly and prompt when answering my questions. I highly recommend Brian and his staff for your mortgage ne.... ”
rbryn21 from Fargo, ND
“ So pleasant to work with!! Angela was always very helpful and answered any questions we had!! Our closing was quick and easy!! Definitely would recommend Angela to all of our friends!.... ”
Sara J from Hatton, ND
“ Great Experience Angie was so easy to work with! We were referred to her by our small-town banker and she didn't disappoint. She was very responsive to questions and helped us every step of the way, .... ”
From Fargo
“ I would recommend Kristin to anyone that needs help from a lender. She was super outgoing, spunky, and extremely generous. We wouldn't have been as comfortable with this process as we were if K.... ”
doug henke from West Fargo, ND
“ Review for Kristin, Valley Mortgage Kristin was absolutely superb. She went above & beyond assisting us to make sure our loan was good to go without a hitch. She kept in contact with us throughou.... ”
Katie & Betsy from Fargo, ND
“ Highly Recommended Brian and team helped us immensely to understand what kind of 1st time home buying program would work for us! We appreciate the follow-up and ongoing counsel the Valley team gives .... ”
D Erickson from Grand Forks, ND
“ Very impressed Was very pleased with Brian and Andrea. They made my first home buying experience fast and easy. I didn't even have to miss work or go in for all the paperwork. We did it all over emai.... ”
Rebecca K from West Fargo, ND
“ First Time Home Buyer I have never purchased a home. Andrea and team were there for us and had everything ready for our closing day. Andrea answered all the questions we had in a timely manner. I rec.... ”
Kirk Zink from Detroit Lakes, MN
“ Lake home purchase Angie was absolutely perfect throughout our entire process…preapproval until beyond the closing. She was very attentive, knowledgeable of finance situations and very respons.... ”
NKringler from Moorhead, MN
“ Excellent job! When I purchased my home, Angela was great. Very good at explaining everything and quick to reply to any and all questions i had, before and after the purchase. I wouldn’t use an.... ”
Mohamed Abdirahman from West Fargo, ND
“ Best lenders It was nice working with Valley Mortgage. Valley Mortgage is a good business. They answered any questions we had, also responded within a day. Worked with us till the day we got our key .... ”
Mongopda from Sabin, MN
“ Excellent service I went to Valley Mortgage by accident, but I was glad I did. They helped me with everything, treated me like family. I would definitely go to them again. And even after it's all don.... ”
wjbsioc from Fargo, ND
“ Very good rate They are very professional and provided us a very good mortgage rate.They are friendly and provided us all the details and information we needed to buy a home..... ”
from West Fargo, ND
“ Highly Recommend Brian was able to see us immediately when our 1st lender backed out of our appointment last minute. Brian got us an approval ASAP and we were very happy working with him!.... ”
Brad Huber from Moorhead, MN
“ Easy buying! Angela has assisted me in buying two different homes and she makes it very easy and stress-free! She is very easy to get ahold of and gets things done fast! I will definitely be using An.... ”
karlier28 from Fargo, ND
“ First-time homebuyers Angie was super helpful and explained things to us as we went. We were first-time homebuyers, so we had a lot of questions to answer. She made the process very painless!.... ”
Livia Helm from Fargo, ND
“ Repeat Lender We went with Brian as our first lender in 2008, and again in 2018. He is very professional, responsive, and easy to work with. Would highly recommend Brian and the team at Valley Mortga.... ”
Drew Allen from West Fargo, ND
“ My first house buy experience I had never been involved in purchasing a house and Brian and his staff made it easy to work through the process to have everything ready to go when closing time came. W.... ”
Lake Bronson, MN
“ Angela Searls Angela and I have worked together twice. She is extremely knowledgeable. She is present, easy to contact, and takes the time needed to explain every detail. She is friendly, approachabl.... ”
Matt from West Fargo, ND
“ First Time Home Buyer Angie at Valley Mortgage had the best rates in town amongst all the competition I shopped. She was very knowledgeable and helpful from the beginning and was able to answer every.... ”
M. Beyer from Fargo, ND
“ Kristin is awesome - highly recommend her expertise Kristin was recommended to us through our realtor. From the very beginning, she was friendly, easy to talk to and explained the process as we progr.... ”
Tuhy from West Fargo, ND
“ Helpful from day 1 to months after closing! Brian was and has continued to be such a great help to my husband and I as we bought our first home together!! I had never gone through a mortgage company .... ”
Bryann A. Seitz from Fargo, ND
“ Great guy Brian and his team are top-notch! I first worked with Valley Mortgage upon purchase of my first home in 2015. With a growing family and the need to purchase a bigger home, I knew right away.... ”