Customer Testimonials | Fargo-Moorhead Home Mortgage Customers


Valley Mortgage - always Superstars!

Once again (this the most recent transaction of many for us) the Valley Mortgage team found us an incredible refinance package and made it happen without even a speed bump. It is truly a joy to work with the VM folks. We like the local ownership and excellent personal service. We highly recommend them.


norm6932 from Fargo, ND

Kristin Sevald at Valley Mortgage

Kristin is very knowledgeable, helpful and great at her job! We were able to be preapproved, bought and closed on a house all without even meeting in person during Covid. We knew a week before closing that everything was good to go and that they didn't need any more information. I would highly recommend Kristin at Valley Mortgage!!! (plus she gave us the cutest housewarming gift!)


user46366559 from West Fargo, ND

Fantastic to work with!

Angela was a pleasure to work with. She was more than willing to answer any and all questions we had and did so in a timely fashion. Would highly recommend her to anyone looking for a house.


Zachary G. from West Fargo, ND


Brian couldn’t have made it any easier to work with, he made sure we were always up to date on anything going on and as a first time home buyer he really helped us with everything we didn’t understand, can’t say enough about how great it was working with him.

JamesOToole0 from Fargo, ND


Kristin was awesome through the whole process! We got a great rate and she always answered every question we had in great detail. I can't recommend Kristin enough!


RebeccaJoy54 from Barnesville, MN

Extremely communicative

Angie was up front and always willing to answer questions. I love how she was quick with email responses and even spoke on the phone with me on weekends.


Rachel and Wesley from Fargo, ND

Repeat Client

I've now worked with Brian and Andrea at Valley Mortgage on three occasions; two home purchases and a refinance. There's a reason I continue to go back. Professionalism, knowledgeable, personable, and available for any questions that I have. Strongly recommend working with Valley Mortgage.


derek wiseman 1 from Moorhead, MN

Great Experience

First time going through the process. Angela made everything easy and kept me confident that everything was done on time and correctly. Angela was wonderful and I would recommend anyone looking at going through this process to work with her.


Jordan Linstad from Fargo, ND


Working with Valley Mortgage was so easy and effortless. With the stress of purchasing a new home, they were available for any questions and response time was quick. Very professional and fun to work with during the process. We highly recommend Valley Mortgage!


S Kleininger from Fargo, ND

Highly recommend!

The staff are all very nice and helpful. If you have questions, they respond very quickly. Brian and Andrea made the house buying process simple, which was especially important because it was my first house. Thanks Valley Mortgage!


Rebecca Sande from Fargo, ND

Understanding and knowledgable

Kristin was very knowledgeable and helpful to us when purchasing our home. We could email or call her anytime with any questions we had. She is an amazing lender from Valley Mortgage and we would recommend her to anybody to use. Thank you Kristin!


Alissa Riley from Moorhead, MN

A scary process made easy

As a first-time homebuyer, I was so nervous about obtaining a loan. Valley Mortgage made the process so easy and communicated honestly with me throughout the while process. I’m grateful to have worked with them.

Alyssa from West Fargo, ND

Amazing to work with!!!

Angela made the first-time home buying process an extremely pleasant one from beginning to end! I was very nervous when I walked in for our first meeting and within minutes she made me feel comfortable and at ease. She answered all my questions with great detail and made sure I was completely understanding all information we went over. Throughout the process, she answered every and all questions/concerns I had in a very timely manner and without hesitation.

She is a wonderful person to work with and I would highly recommend her to anyone who is in the market for a home!! :)

Melissa Weeks from Fargo, ND

Highly recommend

Brian was great to work with. He was very good at explaining everything to me and getting me pointed in the right direction. For what I wanted and was willing to spend. Was very good at getting back to me about any questions I may have had.

S Kehl from Fargo, ND

Kristen Sevald Mortgage Lender Review

Kristin is always available and responded quickly and efficiently during our home buying experience. She worked hard to get us answers and look for our best interests. We appreciate her and would recommend her to anyone!


jmstpie from Davenport, ND

Awesome to Work With!

Kristin was amazing to work with! She truly is the one who helped us get into our home! We were told it wasn't possible by other banks until we met with her!

abbeyzens from West Fargo, ND

Angie was Great!

Angie was great to work with! She is very knowledgeable and was very helpful. She was also very flexible when it came to meeting times and places. I would definitely recommend using her as a lender!

Jake from Moorhead, MN

Very welcome addition to homebuying

Angela was amazing throughout the whole process. She always answered my questions very quickly. And on top of everything, she got me an amazing rate. She made my process a lot less stressful when I switched to her. Highly recommended.

Jetrey Bond from Fargo, ND

Great Company!!

Brian was so awesome to work with!! My husband and I found a house we absolutely loved the Friday before Easter weekend. He got in touch with us over the Holiday and got us pre-approved in record time so we could put an offer down on our dream home. He was so helpful through the entire process, answering any questions we had! We did some shopping around for VA Loans and Valley Mortgage has the best rate in town!! We highly recommend Valley Mortgage!

Taylor Rix from Sabin, MN


Angie is amazing at what she does, everything went smoothly and she is extremely knowledgeable. We found the perfect home for our family and they were thorough and fast to close. We’ll be for sure to recommend Valley Mortgage in Fargo, North Dakota to anyone looking to buy a home. Thank you again.

Simpson from Detroit Lakes, MN

Couldn’t have asked for a better lender

Working with Kristin made the house buying process very easy. Her communication was phenomenal. She was always available when we had questions. She recommended an agent to us and it was a perfect match.


from Grafton, ND

You can’t find a better lender than Kristen.

Kristen made buying a home a walk in the park. She was approachable, friendly, and was always available when we needed her. The entire stigma of buying a home disappeared within minutes of meeting Kristen. Going over the entire purchase felt like talking to a friend and we are very grateful we had Kristen to make everything as easy as possible.

Jackie Hernandez from Grafton, ND


My husband and I had lived in our home for 17 years, so the process of buying a new home seemed a little overwhelming. We were referred to Angela at Valley Mortgage and she made the whole process so simple for us. She was very knowledgeable and absolutely wonderful to work with!!

Beto Haugen from Mapleton, ND

Very good company to work with!!

Brian was amazing and very helpful to work with!! I highly recommend working with him on your home loan!! When I had questions about my loan or what was needed, he was very good at getting back to me on the info needed!!


Jason Earley from Moorhead, MN

Can’t get any better!

Purchasing a home is probably the biggest investment you’ll make in your do yourself a favor and let Angie help you! I cannot stress enough how knowledgeable and patient she is! We worked with her as first time home buyers in 2012 and she took care to explain the mortgage process and helped us find the absolute best mortgage for our situation. We moved our home into its location and it was definitely not your typical buying-process! Our experience with Angie was so good, she was the first call we made after we sold our home and were looking to purchase again in 2019. She is absolutely amazing and I tell everyone I know about her, whether they’re in the market or not. Thanks again Angie! You and your team are amazing!


Cassie Schmidt from Horace, ND

Great Interpersonal skills, quick responses, and never felt pressured!

I highly recommend Brian Johnson. He presented us with options, answered our many questions, gave us competitive rates and never pressured us in our decision. He responded to emails and phone calls very quickly through the whole process. Although we had a few hiccups in our closing (none were his fault), he addressed and remedied them all before I had time to stress out about them. We were so glad we chose someone who was always prepared to field questions, explained the details of mortgage products, fees and services in laymen's terms and made what could have been an extremely stressful process go painlessly and smoothly! He also offered us the best rates!


E R Lundby from Moorhead, MN

Great Experience

Brian was great to work with as we were buying our new house. He worked with us to get the best rates and was always available. He kept us updated and made the whole experience as stress-free as possible.

Megan Vangerud from Moorhead, MN

Valley Mortgage

Kristin was Very helpful. She was able to assist me with everything and answer my questions. She is very professional, and good to work with. I would definitely work with her again.

Chad Pinske from West Fargo, ND

Nothing too much trouble

Kristin was more than helpful throughout the entire house purchasing process.Was always ready to answer any questions, no matter how small at any time.She was friendly and very easy to work with. It was almost like dealing with a good friend.Would highly recommend.

Karen Reams from Fergus Falls, MN

Kristin Sevald

Kristin is amazing! she helped us with all the questions we had when we purchased our home! highly recommended! we went into our closing with no questions really because Kristin made sure we were taken care of.

Micaela from Fargo, ND

Simply Amazing!!

My wife and I had been trying to purchase a home for our family for 4 years. We were never quite able to find the right home so we decided to wait, and then out of the blue, the perfect home was found. On extremely short notice, about 12 hours or so, Angela was able to pull our old files and update our information to get us a new approval letter to put in an offer. She is quite amazing to work with and was always able to answer the questions that we had. I would recommend working with her to anyone who is looking for a lender who will take care of them and help make what can be a stressful time be more comfortable.

J T Carpenter from West Fargo, ND

Stress free, easy process!

I was purchasing a home on my own for the first time. Brian helped educate me when I had numerous questions. My price point was very important to me and Brian helped me find the best way to make it happen with the house I wanted to buy. Working with Brian and his team was definitely stress free and I had no surprises along the way.

Holly Lipp from Moorhead, MN

Excellent and flexible to work with.

Second time we have used Brian for the purchase of a home. He makes it easy, understandable and works within your work schedule for any in-office visits. He workes out a better payment than the financial institution I work for! I would highly recommend Brian for your mortgage needs.

Cameron from Moorhead, MN


After consulting with a few lenders and being mislead, we were referred to Angela by family members. Being a first-time home buyer she was so helpful and made herself available whenever we had questions or concerns...Angela took her time to explain everything and looked out for our best interest. I would say that Angela is over the top at what she does… she made our first time buying a home a great experience.

Scott Tiffany from West Fargo, ND

Phenomenal customer service

Kristin was great to work with. From start to finish she made the whole process a lot less stressful for me! She is not one to sugar coat anything and tells you exactly where you are standing. She kept me in the loop during the whole process of buying a home. Fast response to emails or voicemails and I contacted her a lot. Will definitely send people her way if I know someone is needing a mortgage.

Kshouse from Fargo, ND

Couldn't have asked for a better lender!

Patient and knowledgeable. Kristin made the first time buying experience less scary. Always willing to answer questions. Crunched numbers (many times) to find the best rate for me. Truly a nice person and great to work with.

Sarah G from West Fargo, ND

Best Loan Originator in Town

From day one, Kristin was a down to earth person and appeared to be more interested in us and our situation rather than just our business. Kristin soon became our go-to contact with any questions that we may have had throughout the new home buying experience (believe me we had plenty of questions being first-time buyers). She not only took the time to respond to emails promptly, but did so no matter the time of day. We honestly would have lost a lot of sleep at night throughout this process if it had not been for her. She is someone I can confidently say is one of the best at what she does and she no doubt loves to do it. We were so lucky to have her and would love to recommend her to anyone looking to buy a new home. You're not just a number to her you are treated as a friend.

Walter Family from Horace, ND


Very professional. Hit a snag on my part but was very patient and didn’t rush the process. Very responsive to any questions and concerns we had. Would recommend to anyone.

Jordan Engelhart from Abercrombie, ND

Top notch lender!! Highly recommended!

Angie was an absolute joy to work with during our home loan process. She is very knowledgeable, has great communication skills, and truly cares about her customers. She made the process very simple. Definitely recommend her for your mortgage needs!

Katie Melquist from Moorhead, MN

Easy and stress-free experience

Brian was very friendly and easy to work with. He helped me find a mortgage option that fit my needs. I just told him what I was looking for and he did the rest, it was a stress-free experience! He was also very willing to answer any questions I had throughout the process.

Kyle from Fargo, ND

Our experience

We had an amazing experience when purchasing are home. It is scary purchasing a new home, but Kristen was so positive and any hiccups that we had she would smooth out very quickly. We are so fortunate that we were able to work with Kristen and we highly recommend her to anybody that is looking to buy a home!

Lisa Dahl from Moorhead, MN

Always Available

Kristin responds to emails, text messages, and calls in a very timely manner at almost any time of day. She understands that this is a major life event and treats her customers in a way that reflects that attitude. Extremely knowledgeable you can't go wrong by picking her as your lending agent.

Tai Davidson from Horace, ND


I was so impressed with how personable and efficient Kristin was when it came to getting our first mortgage! She helped us through every step of the process and responded at all times of the day, quickly, to any questions we had! Highly recommend!

Chelsea A from Hoople, ND

Mortgage made easy

Brian was very helpful and made the whole process quick and simple. Loan approval was done quickly and he did a great job of explaining everything. Overall a fantastic experience.

Andren Whieb from West Fargo, ND


As a first-time homebuyer Angela put us at ease with our home buying experience. She was thorough, helpful, and ensured we got the best interest rate! She was flexible in meeting with us anytime we needed!

whitneymayer91 from Fargo, ND


I was so impressed with how personable and efficient Kristin was when it came to getting our first mortgage! She helped us through every step of the process and responded at all times of the day, quickly, to any questions we had! Highly recommend!

Chelsea A from Hoople, ND

You know she’s good when...

Kristin responded to our questions sent via texts/emails promptly, and that included some after hours questions! During closing, the officer even commented that Kristin’s paperwork is great and they don’t ever have an issue...and we didn’t keep having to go back into our files for multiple documents! We had a list of what was needed and once those were sent, it was almost too easy!! Was such a pleasure to work with Kristin and I would highly recommend her!!

Jennifer D. from Valley City, ND

Great communication, proactive and fun to work with

Kristin got the job done after having trouble with a different lender. She was very knowledgeable, given the circumstances of our loan. Her straightforward and proactive communication ensured our loan closed quickly. Great job Kristin!

johnarnquist from Pelican Rapids, MN

Great deal

Angie was great! She was able to get us a better interest rate than the original lender we had chosen, and she was able to help with an escrow situation we ran into! She is super responsive and her personality is great!


Shelby from Moorhead, MN

Above & Beyond

We really enjoyed working with Brian and Andrea! We had a very tight closing schedule and they went above and beyond to coordinate all the moving parts and help us get into our new home in less than a month. They are knowledgeable, responsive and trustworthy, and we couldn’t recommend working with them enough!

Camila Stadum from Fargo, ND

Amazing and flawless experience!

This is the second time my wife and I have used Brian and Valley Mortgage and just as before, the experience was great. So knowledgeable and everything is so seamless it makes the process simple.

J Janguls from Fargo, ND

Angie is amazing

She was amazing. She was able to get me a great rate. The entire process was straight forward and painless. I was more comfortable with using someone local. Angie answered all of my questions quickly.

Jennifer Kuntz from Fargo, ND

Stuck by us for years!

We looked and looked for a new home for a few years and we continued to get great service with the process. I never hesitated in contacting Kristin to get what-if scenarios!

Trish Miller from Davenport, ND

Highly Recommended

Valley Mortgage Agent Kristen Sevald is very knowledgeable and easy to work with, assisting me through all the steps to get my loan processed. As I pursued houses in 2 different states, she was very patient and efficient, getting me closing estimates on the different types of loan programs open to me in each state. I highly recommend her and Valley Mortgage.

Connie Crull from Moorhead, MN

Great experience

Angela was very helpful, she understood what we wanted to accomplish and exceeded all our expectations. She presented us with some outstanding choices and helped us achieve our goals. Awesome interest rate I might add. Thank you for your assistance.

Donald Williams from Mayville, ND

Almost too easy!

Working the Brian and Andrea at Valley Mortgage was extremely easy. This is the second house we have bought with them and we would use them again if the need arises. They are knowledgeable and very quick to respond.

Vicki J. from Fargo, ND

Very Informative and easy process. Will recommend to family and friends.

Brian and his staff are very knowledgeable and courteous. He is easy to get a hold of to answer questions and always has an answer. He is great to work with and I recommend him to family and friends.

K Linglogan from Fargo, ND

Wonderful staff to work with

Brian and Andrea made the home mortgage process so simple. They were always available for questions and made the whole situation go so smooth. Highly recommend them!

Samantha Porter from Mapleton, ND


Angela was an absolute joy to work with and a blessing. After our initial lender did not work out, she was absolutely amazing to work with from the very start and made the process easier than I could ever imagine. I will be going through Angela with all my future business.

Jensen from Moorhead, MN

Loan for lake property

I was a little fearful of the process. Angie made it very easy and comfortable. Angie has excellent customer service. She very helpful with the whole process. Now I have a beautiful lake property. I would highly recommend Angie at Valley Mortgage.

KHerdegen from Audubon, MN

Wonderful and Professional

As a first time homebuyer, Angela was very helpful and able to answer questions whenever they came up. She was quick to crunch numbers for properties and able to provide me with the best interest rate possible. She continued to check in with me throughout the process to make sure any questions were answered. I would highly recommend working with Angela! She made the home buying process (the financial side) pleasant and stress free!

Heather Brasel from West Fargo, ND

All Around Awesome

Angie has been so helpful and easy to work with. She assisted us in finding the perfect option to buy our home when competitors had some troubles. It was the quickest process and so smooth. We never had any extra anxieties about our loan, which made the buying process that much more enjoyable for us. She has been great before, during, and after we purchased our home.

JC Gregory from Fargo, ND

Excellent, informative and friendly staff

The first time I stopped in the office I was met by the most energetic and polite staffer. Our loan process was a bit 'tricky,” but Brian was excellent and informative on navigating us every step of the way. A great experience from start to finish.

Bob Bartlett from Fargo, ND

Valley Mortgage is awesome

As a first-time home-buyer I had a lot to learn. Brian was very friendly and prompt when answering my questions. I highly recommend Brian and his staff for your mortgage needs.

Brent D from Fargo, ND

So pleasant to work with!!

Angela was always very helpful and answered any questions we had!! Our closing was quick and easy!! Definitely would recommend Angela to all of our friends!

rbryn21 from Fargo, ND

Great Experience

Angie was so easy to work with! We were referred to her by our small-town banker and she didn't disappoint. She was very responsive to questions and helped us every step of the way, even when the sellers requested an earlier closing (2wks).

Angie and her team were able to get it all taken care of on the week of Christmas even! Hands down, the easiest mortgage experience we have had this far!

Sara J from Hatton, ND

I would recommend Kristin to anyone that needs help from a lender. 

She was super outgoing, spunky, and extremely generous. We wouldn't have been as comfortable with this process as we were if Kristin hadn't been working with us.

There wasn't anything that could have been better. Our lender was always extremely explanatory when it came to questions. She was always willing to work with us when we needed questions answered. Another thing that helped tremendously was that she would always be willing to meet us, and work with our schedules, which was really nice.

From Fargo

Review for Kristin, Valley Mortgage

Kristin was absolutely superb. She went above & beyond assisting us to make sure our loan was good to go without a hitch. She kept in contact with us throughout the whole process, from the very beginning to the very end.

doug henke from West Fargo, ND

Highly Recommended

Brian and team helped us immensely to understand what kind of 1st time home buying program would work for us! We appreciate the follow-up and ongoing counsel the Valley team gives as well!

Katie & Betsy from Fargo, ND

Very impressed

Was very pleased with Brian and Andrea. They made my first home buying experience fast and easy. I didn't even have to miss work or go in for all the paperwork. We did it all over email. It was very convenient. I would definitely go through them again!!!!


D Erickson from Grand Forks, ND

First Time Home Buyer

I have never purchased a home. Andrea and team were there for us and had everything ready for our closing day. Andrea answered all the questions we had in a timely manner. I recommend Andrea and team.

Rebecca K from West Fargo, ND

Lake home purchase

Angie was absolutely perfect throughout our entire process…preapproval until beyond the closing. She was very attentive, knowledgeable of finance situations and very responsive to our questions and concerns. She would be my first recommendation if a friend or family member was looking for help with mortgage lending.

Kirk Zink from Detroit Lakes, MN

Excellent job!

When I purchased my home, Angela was great. Very good at explaining everything and quick to reply to any and all questions i had, before and after the purchase. I wouldn’t use anyone else for buying my next home.

NKringler from Moorhead, MN

Best lenders

It was nice working with Valley Mortgage. Valley Mortgage is a good business. They answered any questions we had, also responded within a day. Worked with us till the day we got our key to our new house.

Mohamed Abdirahman from West Fargo, ND

Excellent service

I went to Valley Mortgage by accident, but I was glad I did. They helped me with everything, treated me like family. I would definitely go to them again. And even after it's all done they are still giving me helpful tips.

Mongopda from Sabin, MN

Very good rate

They are very professional and provided us a very good mortgage rate.They are friendly and provided us all the details and information we needed to buy a home.

wjbsioc from Fargo, ND

Highly Recommend

Brian was able to see us immediately when our 1st lender backed out of our appointment last minute. Brian got us an approval ASAP and we were very happy working with him!

from West Fargo, ND

Easy buying!

Angela has assisted me in buying two different homes and she makes it very easy and stress-free! She is very easy to get ahold of and gets things done fast! I will definitely be using Angela on my next purchase.

Brad Huber from Moorhead, MN

First-time homebuyers

Angie was super helpful and explained things to us as we went. We were first-time homebuyers, so we had a lot of questions to answer. She made the process very painless!

karlier28 from Fargo, ND

Repeat Lender

We went with Brian as our first lender in 2008, and again in 2018. He is very professional, responsive, and easy to work with. Would highly recommend Brian and the team at Valley Mortgage.

Livia Helm from Fargo, ND

My first house buy experience

I had never been involved in purchasing a house and Brian and his staff made it easy to work through the process to have everything ready to go when closing time came. We have contacted him since with random questions and got back to us with answers in a timely manner. I would highly recommend Brian and his staff.

Drew Allen from West Fargo, ND

Angela Searls

Angela and I have worked together twice. She is extremely knowledgeable. She is present, easy to contact, and takes the time needed to explain every detail. She is friendly, approachable, and honest. Thank you Angela, for helping make my home purchases so successful.

Lake Bronson, MN

First Time Home Buyer

Angie at Valley Mortgage had the best rates in town amongst all the competition I shopped. She was very knowledgeable and helpful from the beginning and was able to answer every question I had. Angie's customer service was superb and exceeded every expectation I had. She would return calls/emails almost immediately regardless of the time or day. Angie will be the first person I go to and refer friends to when buying property in the future.

Matt from West Fargo, ND

Kristin is awesome - highly recommend her expertise

Kristin was recommended to us through our realtor. From the very beginning, she was friendly, easy to talk to and explained the process as we progressed. She answered all our questions quickly & thoroughly and was very patient with all our questions. She went above and beyond our expectations! When we were being pushed for flood insurance, she helped get that resolved. I would highly recommend Kristin to anyone looking for a mortgage loan officer who takes a sincere interest in their clients/customers and helps alleviate some of the stress that goes with purchasing a home.

M. Beyer from Fargo, ND

Helpful from day 1 to months after closing!

Brian was and has continued to be such a great help to my husband and I as we bought our first home together!! I had never gone through a mortgage company before and we reached out to Brian on a whim and he has our business forever! He was on top of everything and made it super easy for us. He continues to answer any questions we have had after closing! Thanks for all you do Brian!!

Tuhy from West Fargo, ND

Great guy

Brian and his team are top-notch! I first worked with Valley Mortgage upon purchase of my first home in 2015. With a growing family and the need to purchase a bigger home, I knew right away we would reach out to a Brian again. He did not disappoint! He helped us obtain a VA loan, was timely, laid out all our options, answered all questions we had, and overall was excellent to work with throughout the whole process! I would highly recommend Brian and his team Valley Mortgage!

Bryann A. Seitz from Fargo, ND