1. We collect nonpublic personal information about you from the following sources:
2. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
3. We may share all the information that we collect, as described above, with our affiliates. By sharing this information, we can better serve your financial needs. If you do not wish for us to share this information with our affiliates you may contact us.
4. We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
5. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information.
Valley Mortgage has repeatedly done right by me. They have a great array of financing options for almost any situation, and Joni Kojo is a rare "straight shooter" who always gives you the facts. He has a great team supporting him also. I trust these guys.
We have worked with Joseph over 5 years and trust that he keeps our best interest as priority! He guides with patience and is quick to respond to questions. Thank you Joseph!!
Joseph helped with a refinance and the process from start to finish was fast, very smooth and the rate was the best out of 3 loan estimates! Very glad he was able to get us in a loan that will help us save on interest and pay off faster.
Joni is the best! Made our refinance process super easy and fast. Very honest and would HIGHLY recommend to anyone looking for a new loan or to refinance. He also has the lowest rates around!