Your Partner in Achieving the American Dream of Homeownership
At Valley Mortgage Financial, we pride ourselves on being masters in matching borrowers with the best loan program on the market for their specific needs. Our team of experienced mortgage professionals is committed to providing our clients with the highest quality financial services combined with the lowest rates available in the Arizona area. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, we can help you find the right loan program at the lowest market rate.
Our Story
Valley Mortgage Financial is a family-owned and operated Mortgage Banking company that has been serving Arizona since 2001. We pride ourselves on building long-lasting relationships with each of our clients, and as a result, our business has grown from our customer base and referrals. Our ultimate goal is to create a hassle-free experience for our clients, and we strive to provide exceptional service and personalized attention to each and every client.
Our Services
At Valley Mortgage Financial, we offer a wide range of mortgage services to meet the diverse needs of our clients. Whether you're a first-time homebuyer, a seasoned homeowner, or looking to refinance your existing loan, we have a solution that fits your needs. Our mortgage professionals will work with you one-on-one to understand your unique financial situation and goals, and provide personalized guidance and recommendations to help you achieve your goals.
Refinance Your Loan
Are you looking to reduce your interest rate, change the term of your mortgage, or eliminate mortgage insurance? Our Refinance Advisor is designed to help narrow down options based on your individual needs. With our refinance services, you can take advantage of lower interest rates, reduce your monthly payments, and eliminate mortgage insurance.
Purchasing a Home
Whether you're buying your first home, second home, or vacation home, the purchase of a new home should be a positive and pleasant experience. Our Purchase Assistant is designed to help narrow down options based on your individual needs, providing you with a hassle-free approval process and fast closing. Our mortgage professionals will work with you to understand your unique financial situation and goals, and provide personalized guidance and recommendations to help you achieve your goals.
Cashing Out/Putting Your Equity to Use
Do you need to pay off high-interest debt or just need cash to remodel your home? We can help you use the equity in your home to bundle your debt into one easy monthly payment. Our mortgage professionals will work with you to understand your unique financial situation and goals, and provide personalized guidance and recommendations to help you achieve your goals.
Excellent Customer Service
Valley Mortgage Financial (VMF) has received numerous rave reviews from satisfied customers. The majority of reviewers praise the exceptional customer service provided by Joni and his team. They highlight Joni's exceptional communication skills, responsiveness, and ability to deliver on promises. VMF's customers rave about the great rates they received, with some even stating that Joni went above and beyond to ensure a smooth and quick loan process.
Real Estate and Mortgage Process
Many reviewers mentioned experiencing a seamless and easy process when working with VMF. They appreciate the step-by-step guidance provided by Joni, which helped them understand the mortgage process and made it less overwhelming. Some reviewers even praised VMF's flexibility, with Joni working outside of normal business hours to accommodate their needs.
Challenges and Solutions
A few reviewers experienced minor hiccups during the process, such as issues with the property or lenders. However, Joni and his team proved to be responsive and proactively addressed these issues, ensuring a smooth close. A single reviewer expressed frustration with VMF's initial lack of response, but ultimately had a positive experience once they reconnected.
New Beginnings
Several reviewers mentioned working with VMF for the first time or their first home purchase/sale. They highlight Joni's expertise and guidance, which helped them navigate the often-complex mortgage process. VMF's customers praise the company's customer-centric approach, making them feel valued and supported throughout the process.
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