Home Loan Information | Loan Programs at Valley Mortgage, Inc. of Fargo


As a Valley Mortgage customer, you will be treated as an individual and not just another number.  Unlike the “BIG Banks” or giant online companies, we are independent and that’s a huge advantage for you. We provide you with the benefit of access to a large variety of loan programs.  Every person is unique and finding the best financing program for you is our highest priority. We aren’t “locked in” to a small number of options like many banks and credit unions. 

From no-down or low-down-payment options to traditional conventional loans, first-time home buyer programs, FHA and VA loans, USDA Rural Housing loans, even programs for those who are credit challenged...we provide a large menu of options. We will walk you through every step of the way making sure your loan is processed on time.

Many Loan Programs for You 

Our success is partially based on the large number of loan programs we make available to our customers. Unlike many banks credit unions that usually only have a few loan programs, Valley Mortgage has a full menu of options for everyone from first-time homebuyers, to empty-nesters wishing to down-size, families wishing to refinance their current mortgage for a lower monthly payment or to get cash for a special project, those wishing to purchase a lake home and even the folks who have had a credit history with some challenges. 

Rough Credit History?

If you’ve had some credit issues along the way, Valley Mortgage will gladly provide guidance and advice on how you can get to a point where you qualify for a mortgage loan. Don’t give up, contact one of our professional loan officers for help in developing a plan unique to your situation. 

As you can see, we offer a loan program for nearly everyone. Valley Mortgage likely has an excellent program for you. Contact us soon so we can visit, no-cost – no obligation.  

When you search for your dream home or you are hoping to upgrade your current home -  whether it be in Fargo-Moorhead-West Fargo, Valley City, Crookston, Roseau, Wahpeton, Fergus Falls, Casselton, Glyndon, the Minnesota lakes country, a rural location, small or larger town, we’d be happy to talk with you about what you’d like to accomplish with a home financing program.  

We’ll help you every step of the way - start to closing-day. You can choose to visit us in our office building on 45th Street South in Fargo, we can come to you in the comfort of your home, talk by phone, on a Zoom or Facetime call or by exchanging emails. If you are in the market for a new home, refinancing your existing mortgage or if you just want to lower your existing mortgage payment, contact us by phone 701-461-8450, or online.

Please see our examples of Valley Mortgage Loan Programs below!

Conventional, Fixed Rate

Fixed Rate and ARM (Adjustable Rate Mortgage)

New Home Construction

First-Time Home Buyer



USDA Rural Development

ND Housing Financing

Mortgage Refinancing