Whether you're ready to buy or refinance a home, or turning your existing residence into the home you've always dreamed of, Valley First can help you reach your goals with a variety of real estate loans.

Mortgage Payment Calculator Mortgage Amount Calculator

Click for Current Real Estate Rates Apply for a Real Estate Loan! A Valley First Loan Officer will personally assist you with the real estate loan application process. To get started, stop in or call 209.549.8511, Option 8 to make an appointment. Click to download the Application.

Conventional Loans

Purchase - Refinance

• Owner-occupied, rental properties, condos, and modular homes
• Fixed and adjustable rates
• Owner-occupied - financing up to 100% loan to value
• Non-Owner Occupied - financing up to 80% loan to value (.50 added to Owner-Occupied rate)
• Terms up to 40 years, also 5 year, 7 year and 15 year fixed rates
• Interest only options available on some products

Jumbo Loans

Purchase - Refinance

• Loan amounts exceeding $417,000
• Owner-occupied and non-income producing second homes
• Fixed and adjustable rates
• Up to 95% loan to value on owner-occupied
• Terms up to 30 years
  

Home Equity and Home Improvement Loans

Tap into the equity in your home without high loan rates. Use the funds for any purpose, including home improvements, a family vacation, college tuition, a new vehicle or to consolidate your bills.

Second Mortgage - Fixed Rate

• Low Fixed Rates
• No Pre-Payment Penalty
• Fees can be included in loan
  

Home Equity Lines of Credit - Variable Rate

You can use funds from a Valley First home equity line of credit for any purpose, plus you may save money on taxes too! We offer two types of home equity lines of credit: Equity Advantage and Equity Plus. Both lines of credit enjoy the following features:

• Low Start Rates
• Low cap - 5% above start rate
• No Draw Fee
• Ten year draw period, with 15-year or 20-year terms
• Online Access
• Free Checks (issued 25 at a time)
• No Pre-Payment Penalty
• Minimum loan amount of $10,000 up to $500,000
• Minimum draw $100
• Interest may be tax deductible (consult your tax advisor)
• Payment calculated at 1.5% of outstanding balance and due first of the month
• $50 Annual Fee, waived the first year only

Equity Advantage

• Prime plus a minimum of one-half percent variable rate*
• Owner-Occupied: Up to 90% combined loan to value
• Non-Owner Occupied: Up to 70% combined loan to value
• A minimum $500 processing fee applies, subject to credit score & property type, and can be paid up front or included in loan amount
• An additional escrow fee may apply when an existing lien is paid
• Rate is determined by credit history and total loan to value

Equity Plus

• Prime plus zero percent variable rate*
• No processing fee
• Owner-Occupied: Up to 100% combined loan to value
• Non-Owner Occupied: Up to 70% combined loan to value
• Additional escrow fee may apply when an existing lien is paid
• Minimal closing costs may apply, subject to credit score and property type, and can be paid up front or included in your loan
  
  

*Variable interest rate is based on the highest commercial prime rate correctly published in the Wall Street Journal, Western Edition, on the last business day of the month. Loan is subject to credit score and property type.

Personal Service

To apply for a real estate loan, please call the Real Estate Department for an appointment at (209) 549-8500 or toll free at (877) 549-4567. For rates click here or call (209) 549-8500.