TERMS & CONDITIONS

Effective Date: July 16, 2026

Welcome to the Valley Mortgage, Inc. website ("Website"). By accessing or using this Website, you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree with these Terms, please do not use this Website.

About Valley Mortgage, Inc.

Valley Mortgage, Inc. is an independent mortgage lender headquartered in Fargo, North Dakota, serving customers throughout North Dakota, Minnesota, and other approved lending areas. Our Website is intended to provide general information about our company, mortgage products, and services.

Website Use

You agree to use this Website only for lawful purposes. You may not:

Use this Website in any way that violates applicable laws or regulations.
Attempt to gain unauthorized access to any portion of the Website or its systems.
Introduce viruses, malware, or other harmful code.
Interfere with the operation or security of the Website.

We reserve the right to restrict or terminate access to the Website at any time without notice if these Terms are violated.

Information Provided

The information on this Website is provided for general informational purposes only. Mortgage products, interest rates, loan programs, eligibility requirements, and underwriting guidelines may change without notice.

Nothing on this Website constitutes a commitment to lend, a loan approval, or financial, legal, or tax advice. All mortgage applications are subject to credit approval, verification of information, property evaluation, and applicable lending guidelines.

Accuracy of Information

While we strive to keep the information on this Website accurate and current, Valley Mortgage, Inc. makes no guarantees regarding the completeness, accuracy, or timeliness of any information presented. We reserve the right to modify or remove Website content at any time without prior notice.

Intellectual Property

All content on this Website, including text, graphics, logos, images, videos, downloads, and other materials, is the property of Valley Mortgage, Inc. or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.

No material from this Website may be copied, reproduced, distributed, modified, or republished without prior written permission, except for personal, non-commercial use.

Third-Party Links

This Website may contain links to third-party websites for your convenience. Valley Mortgage, Inc. does not control or endorse these websites and is not responsible for their content, security, privacy practices, or availability. Visiting third-party websites is done at your own risk.

Privacy

Your use of this Website is also governed by our Privacy Policy. By using this Website, you consent to the collection and use of information as described in our Privacy Policy.

Electronic Communications

By submitting forms through this Website, you consent to receive communications from Valley Mortgage, Inc. regarding your inquiry, loan application, or requested services through email, telephone, or text message, where permitted by law.

SMS Text Messaging Terms

If you choose to receive text messages from Valley Mortgage, Inc., the following terms apply:

Consent

By providing your mobile phone number and opting in, you expressly consent to receive SMS text messages from Valley Mortgage, Inc. regarding your mortgage inquiry, loan application, loan status, appointment reminders, document requests, account-related notifications, customer service communications, and other information related to the services you have requested.

Your consent to receive text messages is not a condition of purchasing any goods or services or obtaining a mortgage loan.

Message Frequency

Message frequency varies depending on your interactions with Valley Mortgage, Inc., your loan process, and the services you request.

Message and Data Rates

Standard message and data rates may apply according to your mobile carrier's plan. Please contact your wireless provider for details.

Opt-Out

You may opt out of receiving SMS messages at any time by replying:

STOP

After you send STOP, you will receive one final confirmation message, and no further text messages will be sent unless you opt in again.

Help

If you need assistance with our text messaging program, reply:

HELP

You may also contact Valley Mortgage, Inc. directly through the contact information provided on this Website.

Supported Message Types

Text messages may include, but are not limited to:

Appointment reminders
Loan application updates
Document requests
Pre-approval notifications
Closing updates
Customer support communications
Account-related notifications
General service-related communications

Marketing or promotional text messages will only be sent if you have separately consented to receive them.

Disclaimer of Warranties

This Website and its content are provided "as is" and "as available" without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not guarantee uninterrupted access to the Website or that it will be free from errors, viruses, or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, Valley Mortgage, Inc. shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use this Website or reliance upon any information contained on the Website.

Indemnification

You agree to indemnify and hold harmless Valley Mortgage, Inc., its officers, employees, affiliates, agents, and representatives from any claims, damages, liabilities, costs, or expenses arising from your violation of these Terms or your misuse of the Website.

Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of North Dakota, without regard to conflict of law principles. Any legal action arising from these Terms shall be brought in the appropriate state or federal courts located in North Dakota.

Changes to These Terms

Valley Mortgage, Inc. may update these Terms & Conditions at any time. Changes become effective immediately upon posting to this Website. Continued use of the Website after changes have been posted constitutes your acceptance of the revised Terms.

Contact Us

If you have questions regarding these Terms & Conditions or our SMS communications, please contact:

Valley Mortgage, Inc.
3315 45th Street South, Suite 200
Fargo, ND 58104

Phone: (701) 461-8450
Toll-Free: (800) 373-5654

NMLS #175746