Mid Valley Financial understands that whether you’re buying your first home or moving into a new home this can be an exciting and overwhelming time. That’s why we simplify the loan process by offering a wide variety of home buying loans with inexpensive mortgages to ensure you’re matched with the loan that’s right for you. The homebuyer services we offer include:

• 3% Down Conventional  (Click Here to Learn More) 

• 3.5% Down FHA  (Click Here to Learn More) 

• 100% Financing VA  (Click Here to Learn More) 

• 100% Financing USDA  (Click Here to Learn More) 

• 80/10/10 Home Purchase

• Single-Financed Mortgage Insurance Option

• Down Payment Assistance

• Up To 5% Grant  (Click Here to Learn More) 

• Freddie Mac 1% Down

• CalHFA (Click Here to Learn More) 

For more information and to see which first time buyer loan is right for you, contact us today!

Refinancing Your Home

Considering refinancing your home? Then let Mid Valley Financial help you reap these great benefits! When refinancing, you can expect:

• Lowering Your Monthly Mortgage Payments

• Pulling Equity Out of Your Home

We offer refinancing options to suit every circumstance:

• Fannie Mae HomeStyle Renovation Mortgage

• Federal Housing Administration (FHA) Energy Efficient Mortgage

• Veterans Administration (VA) Cash-Out and Streamline (IRRRL) Programs

• Government Cash-Out and Streamline (IRRRL) Programs

Take the fist step to saving by contacting us for more information about refinancing your home!

Other Home Buying Loan Options

If you’re looking for something else like moving into your second home, acquiring large property, or even downsizing from your current home, then Mid Valley Financial has the loan option for you!

• Jumbo Loans

• RealEstate-Owned (REO) Mortgage

• Energy Efficient Mortgage

• Federal National Mortgage Association (FNMA) High Balance

• One-Time Close Construction

• Physician Loans

• Fannie Mae HomeStyle Renovation Mortgage

• Private / Hard Money or Private Capital Lending — Due to various factors that typically involve risk, traditional lenders have left the private money or hard money lender market open for Mid Valley Financial to serve the Central Valley. These loans are funded by private investors or individuals who lend money based on the property used as collateral.

First Time Home Buyer

Buying a home for the first time can be scary — but not to worry! Mid Valley Financial is your local partner throughout the buying process, providing several options that can help make finding your first home an enjoyable experience. Not only will Mid Valley’s experienced and patient loan experts help you every step of the way, we have access to special financing programs that will help make it easier on your wallet, too. These programs include low or no money down loan programs. Contact us today for a noobligation chat!

  • Special First Time Home Buyer Loan Programs
  • No Money Down Mortgage Loans
  • Residential Lending Options

Home Improvement Loans

With the market going strong lately, you may be wondering if you have equity in your home. We can help you determine if you have equity, and how you can use it for things like home improvements, debt consolidation, wedding costs, college funds or even a well deserved vacation! When you talk to our experienced loan experts, we can help assess the value of your home and discuss your options. We make the process easy by reviewing your loan options and interest rates, then recommending the best equity options. We’re here to answer all of your questions along the way, too

  • Home equity loans
  • Second mortgage
  • Line of credit