Residential Loans

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 Capital Lending