Assembling the right team

A team of experts focused on you.

Is now the right time to buy? How much home can I afford? What kind of down payment do I need? Are there options beyond the standard approach? Let one of our experts evaluate your situation and help you arrive at the home financing solution that works best for you.

Click here to find a Home Loan Consultant

Buying Your First Home

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From low-down payment options to advice on helping you figure out what you can afford, our Home Loan Consultants are a great resource for any one buying their first home.

  • Special purchase programs for first-time homebuyers
  • Guidance on rent vs. buy decisions
  • Numerous low down-payment options
  • Pre-qualifications and preapprovals handled in an expedient manner.

Buying Your Next Home

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Whether you're looking to upgrade your current home or buy a vacation or second home, our Home Loan Consultants can help you understand your options.

  • Guidance on buying, selling, and choosing a realtor
  • Financing options for construction, remodeling and renovations
  • Recommendations on preparing your current home for sale

Construction Financing

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Working as a team with you and your builder, we will assess your plans, timetables and all costs associated with your new home to find the financing option that’s right for you.

  • One closing at the beginning of construction
  • Interest-only payments during the construction phase
  • Bank handles payments to builder
  • Locally-based mortgage team
PLANNING FOR FUTURE

Expert advice for first time homebuyers

One of the most common, and important, questions we frequently get asked is, “Which should I do first: find a home, a realtor, get pre-qualified or pre-approved?” You might be surprised by the answer.

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  • Disclosures
    As of 2/20/2018, an example that illustrates typical terms for a $300,000, 30 year fixed rate loan with a 25% down payment, has an APR of 4.082% and monthly payment of P&I of $1,432.26. This APR is accurate as of 2/20/2018 and is subject to change. The rates and APRs may be different for loans that exceed the conforming loan limit of $424,100 (i.e. Jumbo Loans). Down payments of less than 20% will require private mortgage insurance. The estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Rates and APRs are subject to change without notice. Subject to credit approval.


    First Time Home Buyer Program is available for first time homebuyers of single family, owner occupied homes and Valley approved condominiums with a minimum loan amount of $100,000 and a maximum of $1,000,000, and for 2-4 family, owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. Mortgage must be in first lien position. Cash rewards are deducted from fees due at closing. Teen Checking and My Loyalty Checking not eligible. Subject to credit approval. Additional terms and conditions may apply. Offer may be withdrawn at any time.

    For all programs, 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.

    Ask your Valley representative for complete details regarding all of our mortgage loan programs for purchases.