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Home Loans

Whether you're still searching for that perfect place to call home or you're already settled into your sweet spot, we've got lending solutions that fit your needs.

Dreaming of homeownership but worried about those monthly payments? Our team is here to literally open doors to your dream home. We offer 15-, 30- and 40-Year mortgages — each with their own advantages, designed to fit your needs.

We’ve helped hundreds of first-time and existing home buyers navigate this process. Every mortgage should be as individual as you are, tailored to fit your specific needs and goals.

When you’re ready, let's talk about how we can make homeownership fit your budget and fulfill your dreams.

See how a home loan or refinance could fit your budget with our calculator tools.

Explore Your Options

Buying your first home? Our First-Time Homebuyer Help Center will guide you through every step, so you can feel confident along the way

Applying for a Loan is Easy.

Simply use our online loan application or visit your local branch and a Member Service Specialist will assist you.

View Rates Apply Online

More Than a Mortgage: Home Rewards® Powered by HomeAdvantage®

Whether you're buying, selling, checking home values, or looking for a trusted real estate agent, Home Rewards can help.

Benefits:

  • Search homes and explore neighborhoods
  • Connect with a trusted network real estate agent
  • Receive personalized support from a HomeAdvantage® Concierge
  • Eligible buyers may receive up to 20% of the agent's commission paid to the borrower after closing*
  • Eligible sellers may qualify for agent commissions as low as 1.99%*


Start with Home Rewards 

15-Year Mortgage

The 15-year route works great for people who can handle the higher payment and want to maximize their savings while building equity quickly.

  • Own Your Home Sooner – Pay off your loan in half the time of a 30-year term
  • Lower Interest Rates – Typically lower rates than 30-year loans, saving you money over time
  • Less Interest Paid Over the Life of the Loan – Significant interest savings compared to longer terms
  • Build Equity Faster – More of your payment goes toward principal from the start
  • Ideal for Long-Term Savers – Great option for those who want to reduce long-term debt and interest
Estimate My Payment

30-Year Mortgage

The 30-year mortgage is perfect for people who want manageable payments and prefer to keep their options open with their monthly cash flow.

  • Lower Monthly Payments – Spread payments over a longer period for increased affordability, and debt-to-income ratio requirements
  • More Cash Flow Flexibility – Lower monthly obligations leave room for other financial goals
  • Popular Choice for First-Time Buyers – Makes homeownership more accessible
  • Flexible Credit Requirements – Minimum credit score of 740; allows traditional credit from one borrower
  • Eligible Property Types – Single-unit owner-occupied homes, including condos and townhomes
Estimate My Payment

40-Year Mortgage

A 40-year mortgage spreads your payments out, giving you breathing room in your budget while you build equity. It makes homeownership accessible when traditional loan terms don't fit your current financial picture.

  • Low Down Payment – Just 3% down required
  • Extended Term – 40-year fixed rate helps lower monthly payments
  • Accessible for First-Time Buyers – Must be a first-time homebuyer
  • Flexible Credit Requirements – Minimum credit score of 620; allows traditional credit from one borrower
  • Eligible Property Types – Single-unit owner-occupied homes, including condos and townhomes
Estimate My Payment

Reverse Mortgage

Access a portion of your home's equity while continuing to live in and own your home. Available for eligible homeowners age 62 and older.

Learn More

Competitive,
Fixed Interest Rates

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in Minutes

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Online

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Eligibility & Requirements:

To get an Mortgage Loan, you must be a member of the credit union.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

Make an online payment to your current Valley First Credit Union mortgage.

Make a Mortgage Payment

* Home Rewards® is made available through HomeAdvantage®. Buyer and seller benefits are subject to program terms and conditions, eligibility requirements, applicable law, lender guidelines, and successful transaction closing. Commission rebates and reduced listing fees are not available in all states and may vary by market. Buyers may receive up to 20% of the participating agent's commission paid to the borrower after closing where permitted by law. Sellers may qualify for a listing commission as low as 1.99% when using a participating network agent. Please visit the Home Rewards website for complete program details and eligibility requirements.

1 APR = Annual Percentage Rate. Rates effective 11.09.2026

All loans are subject to approval. 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 here.
NMLS ID 284608
NMLS ID 508819