Todd Kono

At Value Mortgage Inc., we have been dedicated to helping our clients achieve their dream of homeownership for many years. We are a locally owned and operated mortgage brokerage, licensed in Oregon, Washington, and California. Our team of experienced mortgage brokers have access to lending services from hundreds of wholesale banks and mortgage companies, ensuring that we can provide our clients with the best possible options for their unique financial situations.

Our mission is to serve our customers with honesty, integrity, and competence. We are committed to providing home loans with competitive interest rates and closing costs, while also delivering excellent service to our clients. We understand that the process of securing a loan can sometimes be challenging, and we pledge to help our clients overcome any roadblocks that may arise.

Our Loan Programs

At Value Mortgage Inc., we offer a wide variety of loan programs to meet the diverse needs of our clients. Whether you're a first-time homebuyer, a seasoned investor, or anything in between, we have a loan program that can help you achieve your goals. Some of the loan programs we offer include:

• USDA Loans: Ideal for rural homebuyers, these loans offer competitive interest rates and low or no down payments.
• FHA Loans: Perfect for first-time homebuyers, these loans offer flexible credit requirements and low down payments.
• VA Loans: Exclusively for veterans and active-duty military personnel, these loans offer competitive interest rates and no down payments.
• Conventional Loans: Suitable for a wide range of homebuyers, these loans offer competitive interest rates and flexible loan terms.
• Jumbo Loans: Designed for high-end homebuyers, these loans offer large loan amounts and competitive interest rates.
• Rehab and Construction Loans: Ideal for homebuyers looking to renovate or build their dream home, these loans offer financing for both the purchase and renovation of a property.
• Poor Credit Loans: Designed for homebuyers with less-than-perfect credit, these loans offer flexible credit requirements and competitive interest rates.

Our Loan Process

At Value Mortgage Inc., we believe that the loan process should be easy, hassle-free, and tailored to meet the unique needs of each of our clients. When you work with us, you can expect the following steps:

1. Pre-Approval: We'll work with you to gather the necessary documentation and get you pre-approved for a loan. This step helps you understand how much you can afford and gives you an advantage when making an offer on a home.

2. Application: Once you've found your dream home, we'll guide you through the loan application process. We'll help you complete the necessary paperwork and ensure that all documentation is submitted correctly.

3. Processing: After your application is submitted, we'll process your loan. This involves reviewing your credit report, verifying your employment and income, and ordering an appraisal of the property.

4. Underwriting: Once your loan is processed, it will be sent to underwriting for final approval. This is where the lender reviews all of the information submitted and makes a final decision on your loan.

5. Closing: If your loan is approved, we'll schedule a closing date. This is where you'll sign the final documents and take ownership of your new home.

About Our Team

At Value Mortgage Inc., we are dedicated to providing our clients with the best possible service. Our team of experienced mortgage brokers are knowledgeable, friendly, and committed to helping our clients achieve their dream of homeownership. With access to hundreds of wholesale banks and mortgage companies, we have the resources and expertise needed to find the perfect loan for your unique financial situation.

Our owner and broker, Todd Kono, has been originating loans for over 20 years. With a strong background in real estate investing, Todd understands the ins and outs of the mortgage industry and is dedicated to providing his clients with the best possible service. Whether you're a first-time homebuyer or a seasoned investor, Todd and the team at Value Mortgage Inc. are here to help you achieve your goals.

Why Choose Value Mortgage Inc.?

At Value Mortgage Inc., we believe that everyone deserves the opportunity to own their dream home. We are committed to providing our clients with competitive interest rates, low closing costs, and excellent service. With access to hundreds of wholesale banks and mortgage companies, we have the resources and expertise needed to find the perfect loan for your unique financial situation. Contact us today to learn more about how we can help you achieve your dream of homeownership.