Founded in 1996 Valley Mortgage Company has grown today to become one of the most respected mortgage companies serving the Hudson Valley and Metropolitan New York areas. We pride ourselves on both quality and service by offering a broad selection of loan products at some of the most competitive rates. Our mortgage consultants bring to each customer a wealth of training and experience and listen to the whole of each borrower's needs.
We work with local, regional and national lenders utilizing the full range of mortgage products available on the market. Valley Mortgage Company is a mortgage broker registered with the New York State Department of Financial Services, and arranges financing for real estate located throughout New York State.
We work with local, regional and national lenders utilizing the full range of mortgage products available on the market. Valley Mortgage Company is a mortgage broker registered with the New York State Department of Financial Services, and arranges financing for real estate located throughout New York State.
Services
About us
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We have spent the time and money to best equip our organization to offer our services at the highest professional standards.
This includes our earning several designations offered by state and federal agencies.
Designated agent of the Veterans Administration to arrange VA financing for qualified borrowers.
We do not process paperwork at Valley Mortgage.
We listen to you, evaluate your needs and advise you accordingly.
Often our job is to give you options in the broad world of mortgage financing.
This includes our earning several designations offered by state and federal agencies.
Designated agent of the Veterans Administration to arrange VA financing for qualified borrowers.
We do not process paperwork at Valley Mortgage.
We listen to you, evaluate your needs and advise you accordingly.
Often our job is to give you options in the broad world of mortgage financing.
The process
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We love technology.
We encourage our clients to go online and collect information from the web.
We ourselves use the web to streamline the mortgage process and access the newest and the best lenders have to offer.
It is a fast changing industry and technology has allowed us to stay ahead of the curve.
But all the computers and web information in the world does not replace the need for smart mortgage people behind the process.
It is using the technology smartly that distinguishes our firm.
So, you're not an expert in the complexities of mortgage financing?
We encourage our clients to go online and collect information from the web.
We ourselves use the web to streamline the mortgage process and access the newest and the best lenders have to offer.
It is a fast changing industry and technology has allowed us to stay ahead of the curve.
But all the computers and web information in the world does not replace the need for smart mortgage people behind the process.
It is using the technology smartly that distinguishes our firm.
So, you're not an expert in the complexities of mortgage financing?
Rate
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Everyone is rate conscious.
It is a given.
We have never had a client call looking for a high interest rate.
To this end we make a firm commitment at Valley Mortgage Company to quote rates accurately as delivered by the lenders.
Here's how it works.
We do not control the rates.
Rates are delivered to us daily by the lenders.
In a volatile market these rates can fluctuate daily or even several times each day.
Sometimes the market remains flat and rates barely fluctuate for weeks.
We watch the market closely and work to anticipate these changes for better or worse, but the process is speculative.
It is a given.
We have never had a client call looking for a high interest rate.
To this end we make a firm commitment at Valley Mortgage Company to quote rates accurately as delivered by the lenders.
Here's how it works.
We do not control the rates.
Rates are delivered to us daily by the lenders.
In a volatile market these rates can fluctuate daily or even several times each day.
Sometimes the market remains flat and rates barely fluctuate for weeks.
We watch the market closely and work to anticipate these changes for better or worse, but the process is speculative.
Closing costs
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At Valley Mortgage we dissect the expenses associated with any transaction into four categories collectively called "CASH REQUIREMENTS".
We use this phrase specifically because it encompasses everything and helps avoid the confusion generated in the industry about what constitutes closing costs.
We typically at the start prepare for you a loan estimate.
This is an industry tool which itemizes all the related cash requirements.
It is the case that many of the expenses associated with financing have almost become standardized.
We use this phrase specifically because it encompasses everything and helps avoid the confusion generated in the industry about what constitutes closing costs.
We typically at the start prepare for you a loan estimate.
This is an industry tool which itemizes all the related cash requirements.
It is the case that many of the expenses associated with financing have almost become standardized.
Products
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Valley Mortgage Company, Inc. arranges for loans with third party providers who offer a full spectrum of loan products including the following: conventional fixed and variable rate conforming and jumbo loans, Federal Housing Administration (FHA) insured loans, Veterans Administration loans, RHS Guaranteed loans (100% Financing), construction loans, conventional rehab and FHA 203K rehab loans, non-conforming and alternative credit loans, second mortgage loans, and home equity lines.
For the typical borrower Valley Mortgage Company, Inc. has available several conventional fixed rate loan products at the prevailing competitive rates.
For the typical borrower Valley Mortgage Company, Inc. has available several conventional fixed rate loan products at the prevailing competitive rates.
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