Mortgage Lending  

When looking for a new house, the last thing you need to worry about is whether you’re getting a good value on your mortgage. At Valley Central, we remove that worry from the equation. Our mortgage experts guide you through each step of the process to give you peace of mind and ultimately provide the best mortgage option values to match your financial lifestyle. In addition, because our local mortgage team makes all loan decisions, our closing process is quick and easy!

Fixed Rate Mortgages

Enjoy a fixed rate that remains the same for the life of your loan.

  • 10, 15, 20, and 30 year term options

Adjustable Rate Mortgages

An affordable option that gives you a potentially lower rate now in exchange for potential adjustments as the loan matures.

  • 2% cap every five years and 6% lifetime

Construction Loans

When building a new home that is perfectly matched to your tastes…the mortgage should match, too!

  • Close one time for the construction process and the end loan to avoid unnecessary cost or delays


Also available, these popular mortgage programs:

  • FHA
  • VA
  • USDA