Residential Mortgages

Valley offers flexible terms, competitive rates and local, timely decisions to make the borrowing process easier and more convenient for you. View our loan products and choose the home financing that is right for you.


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Valley's $1,899 Purchase Option

Whether you are a first time homebuyer or looking to purchase a second home, our residential mortgage experts can help you every step of the way from application to closing. We provide fast, reliable service with low interest rates and fees. You can choose from a variety of terms designed to meet your specific repayment goals.

Before you apply for a mortgage, collect the information needed to begin the application, and learn more about our mortgage loan process.

Our Rates (As of 4/18/2014)RateAPR
10 Year Fixed Rate Loans up to $417,0003.250%3.412%
15 Year Fixed Rate Loans up to $417,0003.375%3.487%
20 Year Fixed Rate Loans up to $417,0004.250%4.340%
30 Year Fixed Rate Loans up to $417,0004.375%4.441%
5/1 ARM3.125%3.184%
7/1 ARM4.000%3.857%

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Decide how you want to apply.

  • Call our 24/7 Customer Service Center at 800-522-4100
  • Visit a branch near you
  • Begin the application process Online

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