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Forget the haggle and the hassle, find the right type of loan for you and your family.

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Take advantage of the most competitive rates

Rates as of July 18, 2025 See Assumptions

See what sets us apart

We are committed to simplifying your home buying or refinancing experience.

Banks

Credit unions

On-demand and real-time pre-approval

Always

Occasionally

No application and processing fees

Always

Never

Best Rates across multiple lenders

Always

Rarely

Sometimes

Out-of-box solutions for every borrower

Always

Sometimes

Rarely

Personalized guidance and support

Always

Occasionally

Real-time loan status updates

Always

Sometimes

Rarely

Close home loans fast

Always

Sometimes

Rarely

Take advantage of the most competitive rates

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Know all your options before you decide to take action.

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2-1 Buydown

Pay a lower interest rate in the first two years

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Simplifying Mortgage Lending

Install the Valley West Mortagage Mobile App for free today and begin your path to owning a home.

Secure document scanning

Quick and simple procedure

Live Loan Updates

Peace of mind is easy to come by

Enjoy unconditional support

We're always available to answer all of your questions and concerns - making sure that you're in the know and in control at all times.

Partner and market
insights

We offer the most competitive rates possible by teaming up with the best lenders in the country.

Smooth process,
swift results

We'll keep you informed and up to date every step of the way, helping you close in 30 days or less.

Interest Rate Alerts

Stay up-to-date on interest rate movements and be notified when rates dip, so you can take advantage of lower borrowing costs and save money.

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Trusted by home owners in 32 states

Home Purchase Home Refinance

790

Reviews

6.6

B+

Funded loans

Years of experience

22350

Questions answered

Met my every need

Valley West Mortgage had the best rates, fees and got back to me immediately. They were fast, efficient and met my every need, including closing quickly. Rates were as promised and at the lowest being offered, no baloney and 2 weeks to close (which I loved).

Chris M.

Verified customer

Home Refinance
They are second to none

This is the second home that we have purchased using Valley West. They were always available to answer our questions and help steer us through the process. Both times they closed on time with the lowest rates. They are second to none!

Fedor B.

Verified customer

Home Purchase
I closed on a home that I love

I was never kept waiting whenever I had a question and Celeste really made the whole process easy. I closed on a home that I love and I give full credit for the ease of the entire process to Vatche, Celeste and the team at Valley West Mortgage. They made the whole thing a breeze.

Marcusvreid77

Verified customer

Home Purchase
The fees were beyond reasonable

The best agent I have ever worked with; recommended without reservation. Communication throughout the process was timely and professional. The speed of the process was impressive. The fees were beyond reasonable for such great service.

Ray T.

Verified customer

Home Purchase
I now have a 2.75% interest rate

I'm happy to report after just 30 days, I now have a 2.75% interest rate, closing was a breeze and my "Cash to close" was less than $1500.00. If you are looking for a Mortgage Company to purchase or refinance your home, I strongly recommend Valley West Mortgage.

Lisa M.

Verified customer

Home Purchase
No one can believe the deal I got

This was my first home purchase and I’m so happy I found Valley West! Vatche and his team were always available to answer my many questions. We closed super fast. And no one can believe the deal I got!! Many thanks!! Highly recommended!!

Jahousley

Verified customer

Home Purchase
Organized, efficient, and extremely professional

The Valley West Team was not only able to help us out, they were able to get us a lower interest rate as well. The entire team was very organized, efficient, and extremely professional. We highly recommend anyone looking for a Mortgage Company that they can trust.

Rob M.

Verified customer

Home Refinance
Got my loan closed in less than 30 days

Valley West Mortgage helped me pay off debt and lower my monthly bills. The process was extremely simple and seamless. I was able to do everything online and got my loan closed in less than 30 days! Thank you Vatche and your team for helping my family!

Jeffrey G.

Verified customer

Home Refinance

Buy your dream home or refinance an existing loan with ease and confidence.

Get a free rate quote

Get a loan tailored to your specific needs.

Take advantage of the most competitive rates

See what sets us apart