Fargo Mortgage Provider | Home Loans with Valley Mortgage, Inc.


Your Local, Independent Mortgage Source

We began providing area folks with their home mortgages, new home construction loans, mortgage refinancing and vacation home financing in 1983. Our first office was in Fargo, North Dakota. Today, our headquarters is still in Fargo. We are local. Locally owned and managed, Valley Mortgage is the Largest Independent Mortgage Lender in North Dakota and northern Minnesota. We are not affiliated with a bank or large, out-of-state company. 

We are not a mortgage broker that sends your information to someone at a desk somewhere across the country.   We have the financial strength, the experience and knowledge – along with the finest staff – to provide unsurpassed personal service, very competitive rates and the smoothest process in the area. You are always treated with respect and never considered as just another file number.

You are Not Required to Get a Mortgage through Your Bank

Many people believe they should talk with the bank they have their checking account with, but that is not necessary. At Valley Mortgage, we handle everything so you don’t have to get anyone else involved. 

EVERYTHING is handled in our local, Fargo office: Pre-Approval, information sourcing, underwriting, loan approval, funding, closing. We are local people you can call, email or meet with personally.  Check out our many “happy customer” reviews. We are humbled that so many folks write these great messages about their experience with Valley Mortgage.  

Unlike the giant out-of-state mortgage or big bank websites, you can sit across the table and talk with us. Since all decisions are made in our office, you can expect accurate, fast information and responses to all your questions. 

Our Personal Service is the Key to a Smooth Home Loan Experience

This personal connection is why we’ve been successfully providing area individuals and family home buyers, those building new homes, folks wishing to refinance their current mortgages, or those wanting to finance a lake property or vacation home - with detailed information, superior service,  extraordinary communication, low rates and many loan choices for more than four decades. Call us today to start building a trusted relationship.

Home Mortgage | New Home Construction Loan | Mortgage RefinancingConventional | Fixed Rate and ARM | First Time Homebuyer | FHA  | VA | USDA Rural | ND Housing

Our Best Advertising is from Our Customers. 

We hope to create lasting relationships with each of you so we may continue providing excellent mortgage loan service to you, your family and friends, now and in the future. Referrals from happy customers are our best form of advertising. 

Unlike many of the larger, out-of-state 1-800-number nationwide mortgage companies, all your information will be kept secure and private. Our name is trusted throughout the community. To speak directly with an experienced mortgage professional, simply give us a call at 701-461-8450 or feel free to utilize any of the interactive tools offered throughout our website. We look forward to working with you.