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


The Valley Mortgage Customer Advantage

As a Valley Mortgage customer, you will be treated as an individual and not just another number.  Unlike the “BIG Banks, giant online companies, or mortgage brokers, we are independent and local. We provide you with the benefit of access to a larger variety of loan programs.  Each of you 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 most banks, credit unions and mortgage brokers.  

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. And all the paperwork is done in our Fargo office. 

Many Loan Programs for You 

Our success is partially based on the large number of home loan programs we make available to our customers. Unlike many banks and 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. 

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.

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. And that may even be today! Don’t give up, contact one of our professional loan officers for help in developing a plan unique to your situation. 

How Does Your Financial Picture Look?

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 fits your financial picture.  

We’ll help you every step of the way – from 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 home, refinancing your existing mortgage or if you just want to lower your existing mortgage payment, contact us by phone at 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