Valley First Mortgage Services powered by Scenic Oaks Funding
Our Real Estate team is trained on, and have experience with, the best practices for mortgage finance. They are available to guide our members through every step of their home buying or refinancing process.

Cynthia Brackett with Scenic Oaks Funding
Cynthia Brackett
Mortgage Consultant
NMLS Lic. No. 287578

(209) 549-8511 ext 3543

Loans powered by Scenic Oaks Funding
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Purchase and Refinance

  • Conventional up to 97% Loan To Value
  • FHA  and FHA Access
  • VA
  • USDA
  • Jumbo (over $417,000 loan amount)
  • Investor
  • HARP 2.0
  • Second Homes

NMLS ID 508819

NMLS ID 252939

At Valley First Credit Union, all of our real estate loan originators (MLOs) are registered with the Nationwide Mortgage Licensing System and Registry (NMLS). You can find a list of our MLOs and their NMLS registration numbers by visiting