We began serving area folks with their home mortgages, new home construction loans, mortgage refinancing and vacation home financing in 1983. Our first office was in Fargo, North Dakota. Today, our headquarters is still in Fargo. We are local. Locally owned and operated, Valley Mortgage is the largest mortgage lender in North Dakota and northern Minnesota, not a broker who sends your information to someone at a desk somewhere across the country. We have the financial strength, the experience and knowledge – along with the finest staff – to provide unsurpassed personal service, very competitive rates and the smoothest process in the area. You are always treated with respect and never considered just another file number.
EVERYTHING is handled in our local, Fargo office: Pre-Approval, information sourcing, underwriting, loan approval, funding, closing. We are local people: to call, email or meet with personally. Check out our many “happy customer” reviews". We are humbled that so many folks write these great messages about their experience with Valley Mortgage.
Unlike the giant out-of-state mortgage or big bank websites, you can sit across the table and talk with us. Since all decisions are made in our office, you can expect accurate, fast information and responses to all your questions. This personal connection is why we’ve been successfully providing area individuals and family home buyers, those building new homes, folks wishing to refinance their current mortgage, or those wanting to finance a lake property or vacation home with information, personal service, low rates and many loan choices for nearly four decades.
Home Mortgage | New Home Construction Loan | Mortgage Refinancing | Conventional | Fixed Rate and ARM | First Time Homebuyer | FHA | VA | USDA Rural | ND Housing
Our ultimate goal is to create lasting relationships with each of you so we may continue providing excellent mortgage loan service to you, your family and friends. Referrals from happy customers are our best advertising we can hope for and we've built a solid business because of having served so many happy folks several times. Unlike many of the larger, out-of-state 1-800-number nationwide mortgage companies, all your information will be kept secure and private. Our name is trusted throughout the community. To speak directly with an experienced mortgage professional simply give us a call anytime at 701-461-8450 or feel free to utilize any of the interactive tools offered throughout our website. We look forward to working with you.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154