REFI PRODUCTSValley View Home Loans offers many types of refinance loans. Depending on the amount of equity you have, we have the right loan for you. Whether it’s an owner occupied loan, second home or investment, we can help. Valley View Home Loans has Lender Paid mortgage insurance products with our conventional financing up to 95% LTV. Or you can choose a FHA loan up to 96.5% LTV for regular refinances and 125% for the streamline product, and all the funds needed to close can be from a gift.

Highlights of Valley View Home Loans Refinance Products

    • Cash out up to 80% LTV on Conventional and 85% LTV on FHA.
    • All closing costs and down payments for FHA loan can be gifted by relatives.
    • FHA allows non occupant co borrowers – If your income doesn’t quite qualify you, you can have a relative co sign for you and not have to occupy the property.
    • FHA allows owner occupied loans for Condo’s, SFR’s and 1-4 units.
    • Non warrantable condo programs available.
    • Asset depletion loans available.
    • Foreign National loans available.
    • FHA Streamline refinance to 125% LTV with no income or appraisal needed.

Home Loans are the biggest financial investment for most Americans. Valley View Home Loans licensed mortgage originators can take the stress and pressure of the loan process, off your shoulders. We have streamlined our production and processing to minimize paperwork and fund your loan on time without last minute surprises. Click Apply Now to see how low your payment can be, or take a look at our 15yr LoansJumbo LoansFHA LoansUnderwater LoansAdjustable Rate Loans and Interest Only Loans.