Take advantage of one of our specials or visit Refinance Your Home or Purchase a Home for more programs.

$499 Mortgage Refinance Program
$400 Refund
at closing

Available in New Jersey, New York and eastern Pennsylvania

$899 Cash-Out Refinance Program
$400 Refund
at closing

Available in New Jersey, New York and eastern Pennsylvania

$1,899 Home Purchase Option
$400 Refund
at closing

Our $1,899 Purchase Option makes homeownership affordable
with no points, no title fees and no other Valley fees!

$499 Refinance Program: $400 refund will be applied at closing and is valid for new applications received through 6/30/2014 for the $499 Refinance Program only. Loans must close by 11/30/2014. As of 3/12/2014, a sample $100,000, 15 year fixed-rate conforming mortgage APR is 3.573% with a monthly payment of $7.15 per thousand. APRs subject to change. APRs for loans that exceed the conforming loan limit of $417,000 may be higher. The estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in NY, NJ & eastern PA for 1-4 family, owner-occupied properties and condominiums only with a minimum loan amount of $100,000 and a maximum of $1,000,000. Co-ops and investment properties are not eligible for this program. Other programs are available for other loan amounts and properties. Approved applicants will be responsible at closing for funding interim interest and an escrow account for property taxes and insurances. If applicable, approved applicants will also be responsible for assignment (e.g. CEMA), prepayment, and lien subordination fees from existing lenders, any NY mortgage recording taxes, and all other NY county or municipal fees. Cannot be combined with other offers. Subject to credit approval. Additional terms and conditions apply.

$899 Cash-Out Refinance Program: $400 refund will be provided at closing and is valid for new applications received through 6/30/2014 for the $899 Cash-Out Refinance Program. Loans must close by 11/30/2014. As of 3/12/2014, a sample $100,000, 15 year fixed-rate conforming mortgage APR is 3.757% with a minimum monthly payment of $7.21 per thousand. APRs subject to change. APRs for loans that exceed the conforming loan limit of $417,000 may be higher. The estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in NY, NJ and eastern Pennsylvania for single family, owner-occupied properties and condominiums only with a minimum loan amount of $100,000 and a maximum of $1,000,000. Maximum cash back is limited to $50,000. Co-ops and investment properties are not eligible for this program. Other programs are available for other loan amounts and properties. Approved applicants will be responsible at closing for funding interim interest and an escrow account for property taxes and insurances. If applicable, approved applicants will also be responsible for assignment (e.g. CEMA), prepayment, and lien subordination fees from existing lenders, any NY mortgage recording taxes, and all other NY county or municipal fees. Cannot be combined with other offers. Subject to credit approval. Additional terms and conditions apply.

$1,899 Home Purchase Option: $400 refund will be provided at closing and is valid for new applications received through 6/30/2014 for the $1,899 Home Purchase Option. Loans must close by 11/30/2014. The $1,899 Purchase Option is a discounted package of settlement services offered to approved applicants as part of the Valley Purchase Program for the payment of mortgage origination, mortgage settlement, title search and title insurance costs. A Traditional Closing Cost Option is also available. The $1,899 Purchase Option is available for single family, owner-occupied properties and Valley-approved condominium projects only in New Jersey and eastern Pennsylvania. Minimum loan amount of $100,000 and maximum loan amount of $749,950. Coops and investment properties are not eligible for this program. Other programs are available for other loan amounts and properties. An example for the $1,899 Purchase Option that illustrates typical terms for a $300,000, 30 year fixed rate loan with a 25% down payment, has an APR of 4.412% and monthly P&I of $1,475.82. APR is accurate as of 3/12/2014 and is subject to change. The APRs for loans that exceed the conforming loan limit of $417,000 may be higher. The estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Applicant will be responsible at closing for payment of interim interest and for funding an escrow account for real estate taxes and insurances. Applicant will also be responsible for payment of all settlement items between applicant, as buyer, and seller for the purchase of applicant’s home, and for applicant’s attorney fees. Cannot be combined with other offers. Subject to credit approval and title qualifications. Additional terms and conditions apply.