Valley Mortgage Services - Bethlehem, PA

Valley Mortgage Services
310 Stoke Park Rd.
Bethlehem, PA 18017
Phone: (610) 691-6706
Fax: (610) 691-6709

Buying or building a home is one of the most exciting events in your life, but it can also be very stressful. You can depend on the professionals here at Valley Mortgage Services to assist you throughout the process and to make it as hassle-free as possible.

ABOUT US
Valley Mortgage Services is a full service mortgage lending company. Our affiliation with National City Mortgage, one of the top ten retailers in the country, provides us with a wide variety of loan options including:

Conventional
Jumbo-Fixed
Adjustable Rate
FHA & VA Mortgages
Home Equity Products
Our experienced staff of Mortgage Consultants can describe the variety of products we offer and assist you in choosing the loan best suited to your individual needs.

GET STARTED ON YOUR DREAM RIGHT NOW!
You can begin the process right now. Click the Mortgage Consultant link to select one of our experienced mortgage professionals to help you.

Fixed Rate Mortgages

Fixed Rate mortgages guarantee that the interest rate you start with will remain constant throughout the life of the loan. We offer loan terms from 10 to 30 years to meet your needs. We can even customize your loan with features such as a buydown, which reduces your payment amount for the first few years, or a bi-weekly, which reduces the term and total interest payments over the life of the loan. We have pioneered the "piggy-back" mortgage, where we couple a second trust with our first trust. This eliminates the need for private mortgage insurance which reduces your monthly payment. We offer piggybacks with fixed or adjustable rate mortgages.

FHA & VA

Valley Mortgage Services provides both FHA and VA loans to meet your needs. If you are a veteran and have a "Certificate of Eligibility," you may want to use it to purchase a home with no down payment. If you are not a veteran, you may qualify for a FHA loan with a small down payment. Talk to us today to help you make the right decision that best fits your situation.

Adjustable Rate Mortgages

Adjustable rate mortgages have an interest rate that may increase or decrease depending on market conditions. The starting rate will generally be lower than a fixed rate mortgage. The change in the rate may occur at various intervals depending on the product you choose. We have interest rates with the first adjustment from one to ten years.

Jumbo Loans

If your hard work has paid off and you're looking to build a distinguished home, we offer a jumbo loan that will make your dream a reality. The more you borrow, the more you may be able to maximize your tax deduction for mortgage interest.

You'll benefit from a quick application process with flexible underwriting. And, of course, you'll have the choice of a fixed or adjustable rate.

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