Get a Mortgage
Homeownership designed for you
Find the right mortgage for your homeownership journey.
Low rates
Based on a June 2023 sample of 3rd party originated loans in Valon’s servicing portfolio.
Typically takes 10-15 minutes
Connect with one of our loan officers
Whether you know what you want or would like to learn about your options, Valon is here to help. Get connected with a loan officer to discuss your next steps.
Phone
888-231-8679 (Monday to Friday, 10 AM to 8 PM ET, excluding public holidays)
We’ll craft an option tailored to your goals
Use Your Home Equity
You’ve worked hard to make your monthly payments, and you’ve built up home equity in the process. Whether it’s a home improvement project, consolidating debt, or saving up for your child’s tuition, tapping into your home equity may be the solution for you.
Customizable loan options
Expert guidance through every step of the process
We offer cash-out refinances, flexible HELOCs, and home equity loans. If you’re not sure which option is right for you, please reach out to us at loans@valon.com or call us at 888-231-8679 (Monday to Friday, 10 AM to 8 PM ET) and one of our loan officers will help you decide which option might be best for you.
Ready to get started? Apply Now
A cash-out refi pays off your existing mortgage by refinancing to a new mortgage with different terms, leaving you with a lump sum of cash in the process. By comparison, HELOCs and home equity loans allow you to borrow against your home equity without refinancing your primary mortgage. To learn more, you can read about HELOCs and home equity loans and the differences between cash-out refis and HELOCs.
Ready to get started? Apply Now
Purchase a New Home
If it’s time to move, purchase a vacation home, or buy an investment property, we’re here to help. As your servicer, we’re able to pre-approve you sooner than most other lenders so that you can stay ahead in your home search.
Fast pre-approvals
Based on a June 2023 sample of 3rd party originated loans in Valon’s servicing portfolio.
Whether you’re just starting to shop or have your sights on a home, pre-approval is a short application away. If you’d like someone to help you through the process, reach out to us at loans@valon.com or 888-231-8679 (Monday to Friday, 10 AM to 8 PM ET) and one of our loan officers will get back to you shortly.
If you’re ready to get started – Apply Now
We strive to keep our fees low—on average, Valon homeowners save $1,243 on fees*.
Ready to get started? Apply Now
*Based on a June 2023 sample of 3rd party originated loans in Valon’s servicing portfolio.
We offer loan programs suited to most homeowners’ needs, but generally you should expect to pay for 10-20% of the home’s purchase price as a down payment. The details of your application will vary depending on your individual circumstances.
To get started – Apply Now, or reach out to us loans@valon.com or 888-231-8679 (Monday to Friday, 10 AM to 8 PM ET) to discuss your options with a loan officer.
Refinance
Whether you’re looking to access cash for a large purchase, save money by consolidating debt, or build equity in your home faster, refinancing might be right for you. No matter your goals, we can help you assess all of your available options and make the next best move.
Some of the market’s lowest rates
Smooth, digital-first process
While your decision to refinance should always be driven by your financial goals, financial situation, and the current mortgage rates, we’re always here to help you choose the right option.
To explore your options in a free mortgage consultation, reach out to us at loans@valon.com or call us at 888-231-8679 (Monday to Friday, 10 AM to 8 PM ET). You can also learn more in our help center here.
It will depend on a number of factors, but some of the main requirements are:
• A higher credit score (usually 620 or above).
• At least 20% equity in your home (to avoid paying PMI).
• A lower debt-to-income ratio (usually 43% or lower).
To see what you qualify for, reach out to us at loans@valon.com or call us at 888-231-8679 (Monday to Friday, 10 AM to 8 PM ET).
Ready to get started? Apply Now
We have a simple and quick process tailored to your individual preferences, and our homeowners save an average of $1,243 on fees*. To explore your options in a free mortgage consultation, reach out to us at loans@valon.com or call us at 888-231-8679 (Monday to Friday, 10 AM to 8 PM ET). You can also learn more in our help center here.
*Based on a June 2023 sample of 3rd party originated loans in Valon’s servicing portfolio.
Key benefits
Trusted Partner
We’ll help you find the right loan for your goals
Amazingly Low Rates
We want to make your choice simple by cutting out high rates
No Surprises
You’ll know where you are in the process at all times
Simple, Streamlined Application
Most applications take about 10 to 15 minutes to complete
Close Your Mortgage Quickly
Your goals shouldn’t wait
No Strings Attached
We make it easy to explore your options before committing
Our simple mortgage process
Get approved and close your mortgage quickly and painlessly.
Apply
Our online application pulls in information automatically, reducing the amount of work you need to do.
Get approved
Our lending team will help you find the right loan option to meet your goals.
Close your mortgage
We make closing simple and will work on your time.
Manage your mortgage
Make payments and track your mortgage progress.
Supported states
Currently supporting 45 states, Washington, D.C. and continuing to expand.
We do not currently offer mortgages in HI, MA, NV, NY, UT, Puerto Rico, Guam, or the Virgin Islands.
Frequently asked questions
We strive to keep our fees low—on average, Valon homeowners save $1,243 on fees.*
(*Based on a June 2023 sample of 3rd party originated loans in Valon’s servicing portfolio.)
Yes, qualified applicants may apply for refinancing.
Yes, Valon can help qualified applicants get a purchase loan.
No, Valon does not offer commercial loans at this time.
If you submit your application, we will request your full credit report (a “hard pull”) from one or more consumer reporting agencies, which may affect your credit. If you’d like to get a rate quote without a hard pull, you can connect with a Valon loan officer who can provide one using an estimated credit score.
You can learn more by visiting our Help Center article.
Ready to get started?
In 10-15 minutes, you could be on your way to getting a loan.
