Valley First


All Valley First mortgages include:

  • Quick approval
  • Competitive rates
  • Mortgage protection
  • Plus, we've got great, competitively
    priced home insurance packages to
    suit your unique needs.

Home Sweet Bonus®

Get a $1,000 bonus from Valley First—make owning your dream home a reality!

Learn more

First Time Homebuyer?

Consider all your options, the costs involved and what sort of budget you're working with.

Mortgage Basics

Need help demystifying mortgages? Here you'll find a clear summary of your mortgage options. Plus, you can find protection options, learn mortgage lingo, and view frequently asked questions.

Mortgage Plans

If you already have a mortgage, you may want to make changes to it as you go. Whether you're refinancing, renewing, or switching your mortgage, we can help.

Fixed Rate Mortgage

  • 6 month to 10 year terms
  • Flexible payment terms
  • Prepay options

Variable Rate Mortgage

  • Moves with prime rate
  • Open or closed options
  • Flexible payment options

Magic Mortgage

  • Available with all mortgages
  • Flexible payment options
  • Advanceable any time.

Construction Mortgage

  • Controllable interest costs
  • Interest only payments
  • Paper or eStatement

Self-Employed Mortgage

  • Up to 95% loan to value
  • Open or closed options
  • Flexible payment terms

Home Equity
Line of Credit

  • Competitive pricing
  • Consolidate debts
  • Borrow up to 80%* of the
    value of your home

*Maximum of 65% LTV can be structured as a non-amortizing line of credit.

Ready to apply? Borrowing with Valley First is simple!


Applying for a mortgage online just takes a few minutes and just four easy steps!

In Person

If you're more comfortable coming in to see us, we'd be happy to go through the application process with you.

By Phone

If you’d like to call us, here is a complete list of our branch and insurance office numbers.