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Mortgage Loans

Turning your dream home into a reality.

You’ve found a house! Looking to apply for a mortgage loan? From no down payment mortgages to ARMs, we are your local home loan experts. Plus, ValleyStar offers very competitive rates. Visit your local branch in Virginia to learn more or apply online.

Additional Mortgage options

Refinancing

Virginia Refinancing Rates

You’ve found a house! Looking to apply for a mortgage loan? From no down payment mortgages to ARMs, we are your local home loan experts. Plus, ValleyStar offers very competitive rates. Visit your local branch in Virginia to learn more or apply online.

Advantages of mortgage refinancing with ValleyStar

  • We have many options to fit most of your home loan needs:  Fixed Rate, ARMs, Jumbo, FHA/VA, USDA and many more
  • No down payment and low down payment loans available
  • Loans are reviewed locally
  • Very competitive rates
  • Make payments and access loan information and related tax documents on ValleyStar’s Mobile and Online Banking
  • First-time homebuyer solutions and guidance
Land Loans

Land Loans

Are you looking for land loans that are kept “in house” and not sold to a third party? Our credit union offers friendly, hometown service from a brand name you can trust! Contact one of our experienced loan officers for direct, personalized assistance.

Advantages of land loans at Valleystar

  • All loans stay “in house” and are not sold to a third party
  • 80% loan of the appraised value
  • Adjustable rate options
  • Loans available in Virginia and in North Carolina
  • Make payments within your ValleyStar Mobile and Online Banking account
HELOC flexLOCK

Already a Homeowner?

A HELOC flexLOCK is a line of credit that is extended to a homeowner, similar to a credit card. A home equity line of credit is an excellent way to use the equity in your home to purchase anything you need or want.

Rates

Connect with a Lender

Brianne Szorozy
Brianne Szorozy Martinsville 276.734.5735 NMLS# 2454864

Mortgage FAQs

ValleyStar offers a variety of mortgage options to fit your needs — including fixed-rate and adjustable-rate mortgages, FHA, VA, and USDA loans, as well as jumbo loan options. Whether you’re a first-time homebuyer or looking to refinance, our team can help you find the right loan for your goals.

Everyone’s situation is unique, so it’s best to speak with a ValleyStar Mortgage Loan Officer (MLO) who can review your income, credit, and financial goals. You can also use our online mortgage calculator to estimate monthly payments and see what fits your budget before you start shopping.

You’ll need basic financial documents such as recent pay stubs, W-2s or tax returns, bank statements, and details about your debts and assets. Your ValleyStar mortgage officer will guide you through each step of the process.

Take The Next Step

Apply For A Loan
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