Investor Program

Perfect for investment properties

True Stated Income

Prefer not to disclose income?

Verification of Employment Only

VOE only

Foreign Nationals

Special program for non-U.S. Citizen

more programs

Conventional Loans

15 year, 30 year fixed interest rate

Interest Only ARM

Interest only adjusted rate mortgage

FHA Low Income

Down payment as little as 3.5% for a credit score of 580 or higher.

3% Down Payment

3% down payment

0 Down Payment

0 down payment

Reverse Mortgage

For 62 or older. No monthly payments required

VA Loan

$0 down payment mortgage option available to Veterans, Service Members and select military spouses

Jumbo Loan

Up to $3,000,000

Home Equity Loan

Substantially lower interest rate compared to credit card

American Dream come true

© 2023 by Valley View Home Loans.


1 Licensed: AK, AZ, CA, CO, CT, DE, DC, GA, IL, MD, MI, MN, NC, NV, OR, RI, TN, TX, VA, WA


2 Pre-qualification is neither pre-approval nor a commitment to lend; you must submit additional information for review and approval.


We are an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program; or because you have exercised your rights under the Consumer Credit Protection Act. 


Program rates and parameters are subject to change without notice, and may differ by geographic location. Turn times are estimates and not warranted or guaranteed. Restrictions may apply. This material is intended for use by industry professionals only, and not for distribution to consumers. This is neither a solicitation of an offer nor a commitment to lend.


The interest rate you pay on a mortgage is the single biggest factor in your monthly payments. The higher the mortgage rate, the more you will pay over the life of the home loan. It is thus very important for you to compare mortgage rates when you shop for a loan. At Valley View Home Loans our experienced Loan Advisors are ready to help. Call us or apply online and we will help with the rest. © 2017 Bay-Valley Mortgage Group, Inc. DBA Valley View Home Loans and Pacific Bay Lending Group. All Rights Reserved. NMLS # 192103. NMLS CONSUMER ACCESS . Licensed by the California Bureau of Real Estate.