Mortgage Services

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Let us be the first to welcome you home.

Looking for a home loan? Whether you’re trying to get a mortgage for a refinance or need a mortgage as a first-time buyer, you deserve a friendly and knowledgeable consultant who will help you find the home loan product that’s right for you.

At Valley First Credit Union, we offer a number of specialized programs with terms and interest rates that fit most budgets, backed by impeccable customer service that puts you first.

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Enjoy these convenient features & benefits:

Competitive,
Fixed Interest Rates

Decisions
in Minutes

Apply
Online

And Much
More

Rates & Tools

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Check today’s mortgage rates.

See All Rates & Disclosures

Wondering how much loan you may qualify for? Get started with our tools below, including our Rate Tracker and Rate Calculator. 

LEARN MORE

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Applying for a Loan is Easy

Online

Submit an online application if you're ready, or call us today. We'd love to connect you with an experienced mortgage consultant who can help you choose a plan that will give you confidence as you find your very own home sweet home.

Apply Now

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Loan Protection Gives You Peace of Mind

Valley First loan protection products are designed to help you overcome any hardships that may come your way.

TruStage Insurance

You may be able to save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.2

Learn More

ADT Home Security

Valley First members get an exclusive offer on NEW ADT service.

The plan includes an ADT monitored home security system3, plus:

  • $850 in FREE security equipment
  • Smoke communicator
  • $100 Love My Credit Union Rewards Visa® Gift Card

3Learn More

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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.

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How Valley First can help make a house your home! 

We’ll help you compare programs to find a competitive home loan offering that suits your goals and financial situation. Then we’ll walk you through the details so you have a full understanding of your financial commitment for closing day and all the years after that.

And finally, we’ll help you celebrate – whether you’re walking through the door as a first-time home buyer or enjoying a little extra cash in your wallet from a refinance.

Buying a home is typically the largest financial commitment most consumers make, and we are honored to stand by you as you make this dream a reality. We are here to answer your questions and ensure you’re making the right decision for your financial future.

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2The purchase of TruStage Services is optional and will not affect your application for credit. The information provided here is not a contract. It is a general summary of product benefits, and its contents are limited due to size. TruStage Insurance is administered by CMFG Life Insurance Company, License #0I19359. These products are not insured by the National Credit Union Administration.
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.
3Restrictions apply. Terms and conditions subject to change. Click on the link for more information.

NMLS ID 284608 
NMLS ID 508819