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105    <!-- End Matomo Code -->
106		
106<script>
107			function fixBxSliderLinks(e) {
108				$('.uabb-testimonial a').on('pointerdown', function(e) {
109					e.stopPropagation();
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113			document.addEventListener('DOMContentLoaded', fixBxSliderLinks, false); </script>
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114		</script>
114
115		<style id="cky-style-inline">[data-cky-tag]{visibility:hidden;}</style><link rel="pingback" href="https://www.mvloans.com/xmlrpc.php">
116<link rel="icon" href="https://www.mvloans.com/wp-client_data/21931/4017/uploads/2020/01/favicon-150x150.png" sizes="32x32" />
117<link rel="icon" href="https://www.mvloans.com/wp-client_data/21931/4017/uploads/2020/01/favicon.png" sizes="192x192" />
118<link rel="apple-touch-icon" href="https://www.mvloans.com/wp-client_data/21931/4017/uploads/2020/01/favicon.png" />
119<meta name="msapplication-TileImage" content="https://www.mvloans.com/wp-client_data/21931/4017/uploads/2020/01/favicon.png" />
120		<style id="wp-custom-css">
121			/* ADA Compliance */
122/* add focus state to all links */
123a:focus {
124	outline: dotted !important;
125	text-decoration: underline !important;
126}
127@media screen and (max-width: 768px) {
128    /* float header menu for mobile */
129    #menu-header-right {
130		text-align: center !important;
131    }
132    #menu-header-right li {
133		display: inline-block !important;
134		float: none;
135		width:auto !important;
136    }
137	/* footer */
138	#footerColumns p, #footerColumns li {
139		text-align: center;
140	}
141	.fl-separator {
142		margin: 0 auto !important;
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144	/* page titles on mobile */
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146		font-size: 24px;
147	}
148	.mobileCenter {
149		text-align: center;
150	}
151	.headerSocial {text-align: center;}
152	.headerSocial .socialIcon {
153		height: 30px !important;
154		width: 30px !important;
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156	/* list button pages */
157	.mainCategoriesPages ul li a, .mainCategoriesPages li a, .categoriesPages li a {
158		display: inline-block;
159		margin: 20px auto !important;
160		padding: 10px 0 !important;
161		width: 75% !important;
162		font-size: 1.0em !important;
163	}
164	.fl-sidebar {
165		margin: 0;
166	}
167	.fl-sidebar-right {
168		padding-left: 0 !important;
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172	.headerSocial {text-align: right;}
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175	.mediumCenter .uabb-heading, .mediumCenter .uabb-subheading p, .mediumCenter .uabb-separator-parent {
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177	}
178	 .minHeight2 {min-height:  280px !important;}
179}
180@media screen and (min-width: 992px){
181	.fl-content-left {
182		border-right: none !important;
183		padding-right: 40px;
184	}
185	/* list button pages */
186	.mainCategoriesPages ul li a, .mainCategoriesPages li a, .categoriesPages li a {
187		display: inline-block;
188		margin: 20px auto !important;
189		padding: 10px 0 !important;
190		width: 90% !important;
191		font-size: 1.4em !important;
192	}
193	/*.uabb-has-submenu-container a span {background-color: #131f6b;}*/
194}
195@media screen and (min-width: 1921px){
196	#home-slider-container .fl-row-content-wrap {
197	  padding-top: 660px;
198	  padding-bottom: 660px;
199	}
200	#homeboxHero .fl-row-content-wrap {
201	  padding-top: 100px;
202	  padding-bottom: 630px;
203	}
204}
205/* fix header menus */
206header .fl-widget {
207	margin-bottom: 0 !important;
208}
209.fl-menu a {
210    line-height: 1.25;
211}
212.fl-menu .sub-menu {
213	min-width: 250px;
214}
215header.fl-theme-builder-header-sticky {
216    border-bottom: solid 1px #f5f5f5;
217	z-index: 1000;
218}
219.headerApplyNow a {
220	border-radius: 4px;
221	margin-top: -2px;
222	background-color: #ad8301 !important;
223	font-weight: bold;
224}
225.headerApplyNow a span {
226	color: #FFF !important;
227}
228.headerApplyNow a:hover {
229	background-color: #cc9900 !important;
230}
231header p {margin: 0;}
232/* 220 listings fixes */
233.single-220_listings .fl-post-header, .single-220_listings .fl-post-meta-bottom {
234	display: none;
235}
236.single-220_listings .btn {
237	color: #FFF;
238}
239
240
241#home-slider-container .fl-widget {margin-bottom: 0;}
242.buttonSlider {
243	border: solid 2px #fff;
244	border-radius: .2em;	
245	display: block;
246	padding: 5px 8px !important;
247	text-decoration: none;
248	color: #fff!important;		 			
249}
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251	color: #0A4996!important;
252	background-color:rgba(255,255, 255, 0.7); 	
253}
254
255.fl-content-left {
256    padding-right: 10px !important;
257}
258.fl-sidebar-right {
259    padding-left: 10px !important;
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261
262/* fix metaslider over flow issue*/
263.flex-next {
264    right: 6px !important;
265}
266
267/* round corners on columns with class ss-rounded-corners */
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269    border-top-left-radius: 3px;
270    border-top-right-radius: 3px;
271}
272.ss-rounded-corners-bottom > .fl-row-content-wrap {
273    border-bottom-left-radius: 3px;
274    border-bottom-right-radius: 3px;
275}
276/* global style rules */
277.textTransform, .textTransform h1, .textTransform h2, .textTransform h3, .textTransform h4, .textTransform h5, .textTransform h6, .textTransform p  {
278	text-transform: uppercase;
279}
280.textTransformHeader h1, .textTransformHeader h2, .textTransformHeader h3, .textTransformHeader h4, .textTransformHeader h5, .textTransformHeader h6  {
281	text-transform: uppercase;
282}
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284	font-weight: bold;
285}
286.textShadow {
287	text-shadow: 2px 2px 2px rgba(0,0,0, .9) !important;
288}
289.homepageButton a {
290	border: solid 2px #EEE !important;	
291	box-shadow: 2px 2px 1px #888888;
292	text-shadow: 0 1px 0 rgb(140,140,140),0 1px 0 rgb(110,110,110),0 1px 0 rgb(10,10,10),0 2px 0 rgb(0,0,0),0 3px 5px rgba(0,0,0,0.247059);
293	margin: 0 auto;
294	max-width: 200px;
295}
296
297/* page builder fixes - changes */
298.uabb-info-list-content-wrapper.uabb-info-list-left .uabb-info-list-icon {
299	margin-right: 5px;
300}
301
302/* footer columns */
303#footerColumns {
304	font-size: 1.6rem;
305	line-height: 2.4rem;
306}
307
308.footerTopImage img {
309	border: solid 4px #FFF;
310	box-shadow: 0 1px 10px rgba(0,0,0,.5);
311}
312
313/* 220 social icons */
314.socialIcon {
315	background: #ad8301;
316	border-radius: 4px;	
317	height: 35px !important;
318	margin: 0;
319	padding: 2px;
320	width: 35px !important;
321	box-sizing: border-box;
322}
323.socialIcon:hover {
324	background: #cc9900;
325}
326.yelpSocialIcon {padding: 4px;}
327.youtubeSocialIcon {padding: 0;}
328
329
330.ehlIcon, .ehoIcon {
331	width: 70% !important;
332	height: auto !important;
333	max-width:	125px !important;
334}
335
336/* Loan Types Sidebar */
337.loanTypesSidebar .widgettitle {
338	font-size: 20px;
339	font-weight: 600;
340	margin-top: 0;
341}
342.loanTypesSidebar ul {
343    list-style-type: disc !important;
344    padding: 0 0 0 10px;
345    list-style-position: inside;
346    font-size: .9em;
347}
348.loanTypesSidebar ul li {
349    display: list-item;
350    margin-bottom: 0px;
351}
352
353/* list button pages */
354.mainCategoriesPages, .categoriesPages {
355	padding: 0;
356}
357.mainCategoriesPages ul li, .mainCategoriesPages li, .categoriesPages ul li, .categoriesPages li {
358	list-style-type: none !important;
359}
360.mainCategoriesPages ul li a, .mainCategoriesPages li a, .categoriesPages ul li a, .categoriesPages li a {
361	background: #FFF;
362	border: solid 2px #53737e;
363	border-radius: .2em;
364	color: #53737e !important;
365	display: block;
366	font-weight: bold;
367	margin: 20px auto;
368	padding: 10px 30px !important;
369	text-align: center;
370	text-decoration: none;
371	width: 75%;
372	font-size: 1.8em;
373}
374.mainCategoriesPages ul li a:hover, .mainCategoriesPages li a:hover, .categoriesPages ul li a:hover, .categoriesPages li a:hover {
375	color: #fff !important;
376	background-color: #53737e;
377	text-decoration: none;
378}
379.footerAppImage .uabb-photo-content  {
380	padding-bottom: 0 !important;
381	padding-top: 0 !important;
382}
383.footerFormMaxWidth {
384    margin: 0 auto;
385    max-width: 300px;
386}
387.roundCorner .uabb-infobox {border-radius: 5px; box-shadow: 0 0 5px #d1d1d1 !important}
388.minHeight  {min-height:  205px;}
389.bx-pager-link {color: #FFF !important;}		</style>
390		<style type="text/css">/** Mega Menu CSS: fs **/</style>
391
392
393
394</head>
395<body class="page-template-default page page-id-3459 page-child parent-pageid-12 fl-builder fl-theme-builder-footer fl-theme-builder-part fl-theme-builder-header mega-menu-header mega-menu-bar fl-framework-bootstrap fl-preset-default fl-full-width" itemscope="itemscope" itemtype="https://schema.org/WebPage">
396
397<a aria-label="Skip to content" class="fl-screen-reader-text" href="#fl-main-content">Skip to content</a><div class="fl-page">
398	<header class="fl-builder-content fl-builder-content-15679 fl-builder-global-templates-locked" data-post-id="15679" data-type="header" data-sticky="0" data-sticky-breakpoint="medium" data-shrink="0" data-overlay="0" data-overlay-bg="transparent" data-shrink-image-height="50px" itemscope="itemscope" itemtype="http://schema.org/WPHeader"><div class="fl-row fl-row-full-width fl-row-bg-color fl-node-64d2b0f0de791" data-node="64d2b0f0de791">
399	<div class="fl-row-content-wrap">
400								<div class="fl-row-content fl-row-full-width fl-node-content">
401		
402<div class="fl-col-group fl-node-64d2b0f0e5958" data-node="64d2b0f0e5958">
403			<div class="fl-col fl-node-64d3d3f518871 fl-col-small" data-node="64d3d3f518871">
404	<div class="fl-col-content fl-node-content">
405		</div>
406</div>
407			<div class="fl-col fl-node-64d2b0f0e5a11 fl-col-small" data-node="64d2b0f0e5a11">
408	<div class="fl-col-content fl-node-content">
409	<div class="fl-module fl-module-heading fl-node-64d2b0f0de2fb fl-visible-desktop-medium" data-node="64d2b0f0de2fb">
410	<div class="fl-module-content fl-node-content">
411		<h3 class="fl-heading">
412		<a href="tel:+1(559) 432-8221" title="Call Today: (559) 432-8221" target="_self">
413		<span class="fl-heading-text">Call Today: (559) 432-8221</span>
414		</a>
415	</h3>
416	</div>
417</div>
418	</div>
419</div>
420	</div>
421
422<div class="fl-col-group fl-node-64d65543598e2" data-node="64d65543598e2">
423			<div class="fl-col fl-node-64d65543599b5" data-node="64d65543599b5">
424	<div class="fl-col-content fl-node-content">
425	<div class="fl-module fl-module-button fl-node-64d6543ece280 fl-visible-mobile" data-node="64d6543ece280">
426	<div class="fl-module-content fl-node-content">
427		<div class="fl-button-wrap fl-button-width-auto fl-button-center fl-button-has-icon">
428			<a href="tel:+1(559) 432-8221" target="_self" class="fl-button" role="button">
429					<i class="fl-button-icon fl-button-icon-before fi-telephone" aria-hidden="true"></i>
430						<span class="fl-button-text">Call Now</span>
431					</a>
432</div>
433	</div>
434</div>
435	</div>
436</div>
437	</div>
438		</div>
439	</div>
440</div>
441<div class="fl-row fl-row-full-width fl-row-bg-color fl-node-596d3c18f15b2" data-node="596d3c18f15b2">
442	<div class="fl-row-content-wrap">
443								<div class="fl-row-content fl-row-full-width fl-node-content">
444		
445<div class="fl-col-group fl-node-6171db23836a0 fl-col-group-equal-height fl-col-group-align-center fl-col-group-custom-width" data-node="6171db23836a0">
446			<div class="fl-col fl-node-6171db23837c2 fl-col-small" data-node="6171db23837c2">
447	<div class="fl-col-content fl-node-content">
448	<div class="fl-module fl-module-photo fl-node-596d3c4f01cd0" data-node="596d3c4f01cd0">
449	<div class="fl-module-content fl-node-content">
450		<div class="fl-photo fl-photo-align-left" itemscope itemtype="https://schema.org/ImageObject">
451	<div class="fl-photo-content fl-photo-img-png">
452				<a href="/" target="_self" itemprop="url">
453				<img class="fl-photo-img wp-image-3090 size-full" src="https://www.mvloans.com/wp-client_data/21931/4017/uploads/2017/07/logo.png.webp" alt="Mid Valley Financial - logo" itemprop="image" height="96" width="414" title="Click to return to homepage"  data-no-lazy="1" srcset="https://www.mvloans.com/wp-client_data/21931/4017/uploads/2017/07/logo.png.webp 414w, https://www.mvloans.com/wp-client_data/21931/4017/uploads/2017/07/logo-300x70.png.webp 300w" sizes="(max-width: 414px) 100vw, 414px" />
454				</a>
455					</div>
456	</div>
457	</div>
458</div>
459	</div>
460</div>
461			<div class="fl-col fl-node-6171db23837d2" data-node="6171db23837d2">
462	<div class="fl-col-content fl-node-content">
463	<div class="fl-module fl-module-uabb-advanced-menu fl-node-63e6d71651ee2" data-node="63e6d71651ee2">
464	<div class="fl-module-content fl-node-content">
465			<div class="uabb-creative-menu
466	 uabb-creative-menu-accordion-collapse	uabb-menu-default">
467		<div class="uabb-creative-menu-mobile-toggle-container"><div class="uabb-creative-menu-mobile-toggle hamburger" tabindex="0"><div class="uabb-svg-container"><svg version="1.1" class="hamburger-menu" xmlns="https://www.w3.org/2000/svg" xmlns:xlink="https://www.w3.org/1999/xlink" viewBox="0 0 50 50">
468<rect class="uabb-hamburger-menu-top" width="50" height="10"/>
469<rect class="uabb-hamburger-menu-middle" y="20" width="50" height="10"/>
470<rect class="uabb-hamburger-menu-bottom" y="40" width="50" height="10"/>
471</svg>
472</div></div></div>			<div class="uabb-clear"></div>
473					<ul id="menu-main-navigation" class="menu uabb-creative-menu-horizontal uabb-toggle-arrows"><li id="menu-item-16205" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/"><span class="menu-item-text"><i class="fa fa-home" aria-hidden="true"><span style="display: none;">Home</span></i></span></a></li>
474<li id="menu-item-15188" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children uabb-has-submenu uabb-creative-menu uabb-cm-style"><div class="uabb-has-submenu-container"><a href="https://www.mvloans.com/loan-options/"><span class="menu-item-text">LOAN OPTIONS<span class="uabb-menu-toggle"></span></span></a></div>
475<ul class="sub-menu">
476	<li id="menu-item-15292" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children uabb-has-submenu uabb-creative-menu uabb-cm-style"><div class="uabb-has-submenu-container"><a href="https://www.mvloans.com/loan-options/ag-financing/"><span class="menu-item-text">AG Financing<span class="uabb-menu-toggle"></span></span></a></div>
477	<ul class="sub-menu">
478		<li id="menu-item-16135" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/ag-financing/#hard-money-AG"><span class="menu-item-text">Hard Money Loans for Agribusinesses</span></a></li>
479		<li id="menu-item-16136" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/ag-financing/#farmer-mac-loan"><span class="menu-item-text">Farmer Mac Loans</span></a></li>
480	</ul>
481</li>
482	<li id="menu-item-15200" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children uabb-has-submenu uabb-creative-menu uabb-cm-style"><div class="uabb-has-submenu-container"><a href="https://www.mvloans.com/loan-options/home-loans/"><span class="menu-item-text">Home Loans<span class="uabb-menu-toggle"></span></span></a></div>
483	<ul class="sub-menu">
484		<li id="menu-item-16125" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/home-loans/#Conventional-Loan"><span class="menu-item-text">Conventional Loan</span></a></li>
485		<li id="menu-item-16126" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/home-loans/#FHA-Loan"><span class="menu-item-text">FHA Loan</span></a></li>
486		<li id="menu-item-16127" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/home-loans/#VA-Loan"><span class="menu-item-text">VA Loan</span></a></li>
487		<li id="menu-item-16128" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/home-loans/#Jumbo-Loan"><span class="menu-item-text">Jumbo Loan</span></a></li>
488		<li id="menu-item-16129" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/home-loans/#Construction-Loan"><span class="menu-item-text">Construction Loan</span></a></li>
489		<li id="menu-item-16130" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/home-loans/#Specialty-Loan"><span class="menu-item-text">Specialty Loan Programs</span></a></li>
490		<li id="menu-item-12826" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.mvloans.com/apply-now/purchase-assistant/"><span class="menu-item-text">Home Loan Wizard</span></a></li>
491	</ul>
492</li>
493	<li id="menu-item-15191" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children uabb-has-submenu uabb-creative-menu uabb-cm-style"><div class="uabb-has-submenu-container"><a href="https://www.mvloans.com/loan-options/commercial-financing/"><span class="menu-item-text">Commercial Financing<span class="uabb-menu-toggle"></span></span></a></div>
494	<ul class="sub-menu">
495		<li id="menu-item-16150" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/commercial-financing/#Commercial-Loan"><span class="menu-item-text">Commercial Loan</span></a></li>
496		<li id="menu-item-16151" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/commercial-financing/#SBA-Loan"><span class="menu-item-text">SBA Loans</span></a></li>
497		<li id="menu-item-16152" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/commercial-financing/#Multi-Family-Loan"><span class="menu-item-text">Multi- Family Loans</span></a></li>
498		<li id="menu-item-16153" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/commercial-financing/#Non-Traditional-Financing"><span class="menu-item-text">Non-Traditional Financing</span></a></li>
499		<li id="menu-item-12828" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.mvloans.com/apply-now/commercial-loan-wizard/"><span class="menu-item-text">Commercial Loan Wizard</span></a></li>
500		<li id="menu-item-16099" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.mvloans.com/commercial-loan-application/"><span class="menu-item-text">Commercial Loan Application</span></a></li>
501	</ul>
502</li>
503	<li id="menu-item-16309" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children uabb-has-submenu uabb-creative-menu uabb-cm-style"><div class="uabb-has-submenu-container"><a href="https://www.mvloans.com/loan-options/private-money/"><span class="menu-item-text">Private Money<span class="uabb-menu-toggle"></span></span></a></div>
504	<ul class="sub-menu">
505		<li id="menu-item-16143" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/private-money/#Commercial-Properties"><span class="menu-item-text">Commercial Properties</span></a></li>
506		<li id="menu-item-16144" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/private-money/#Construction-Loan"><span class="menu-item-text">Construction Loans</span></a></li>
507		<li id="menu-item-16145" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/private-money/#Land-Loans"><span class="menu-item-text">Land Loans</span></a></li>
508		<li id="menu-item-16311" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.mvloans.com/hard-money-loan-assessment/"><span class="menu-item-text">Private Money Free Assessment</span></a></li>
509	</ul>
510</li>
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512</ul>
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517	<li id="menu-item-16592" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.mvloans.com/resources/free-mortgage-loan-calculator/"><span class="menu-item-text">Free Mortgage Loan Calculator</span></a></li>
518	<li id="menu-item-17279" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.mvloans.com/resources/forms/"><span class="menu-item-text">California Real Estate Financing &#8211;  Forms</span></a></li>
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525<a href="https://www.mvloans.com/recommended-professionals/"><span class="menu-item-text">Recommended Professionals</span></a></li>
526</ul>
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568	<ul class="sub-menu">
569		<li id="menu-item-16150" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/commercial-financing/#Commercial-Loan"><span class="menu-item-text">Commercial Loan</span></a></li>
570		<li id="menu-item-16151" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/commercial-financing/#SBA-Loan"><span class="menu-item-text">SBA Loans</span></a></li>
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572		<li id="menu-item-16153" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/commercial-financing/#Non-Traditional-Financing"><span class="menu-item-text">Non-Traditional Financing</span></a></li>
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575	</ul>
576</li>
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578	<ul class="sub-menu">
579		<li id="menu-item-16143" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/private-money/#Commercial-Properties"><span class="menu-item-text">Commercial Properties</span></a></li>
580		<li id="menu-item-16144" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/private-money/#Construction-Loan"><span class="menu-item-text">Construction Loans</span></a></li>
581		<li id="menu-item-16145" class="menu-item menu-item-type-custom menu-item-object-custom uabb-creative-menu uabb-cm-style"><a href="/loan-options/private-money/#Land-Loans"><span class="menu-item-text">Land Loans</span></a></li>
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583	</ul>
584</li>
585	<li id="menu-item-12823" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.mvloans.com/services/todays-rates/"><span class="menu-item-text">Rates</span></a></li>
586</ul>
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588<li id="menu-item-15949" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.mvloans.com/become-an-investor/"><span class="menu-item-text">INVESTORS</span></a></li>
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590<ul class="sub-menu">
591	<li id="menu-item-16592" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.mvloans.com/resources/free-mortgage-loan-calculator/"><span class="menu-item-text">Free Mortgage Loan Calculator</span></a></li>
592	<li id="menu-item-17279" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.mvloans.com/resources/forms/"><span class="menu-item-text">California Real Estate Financing &#8211;  Forms</span></a></li>
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621</header><div class="uabb-js-breakpoint" style="display: none;"></div>	<div id="fl-main-content" class="fl-page-content" itemprop="mainContentOfPage" role="main">
622
623		
624<div class="fl-content-full container">
625	<div class="row">
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627			<article class="fl-post post-3459 page type-page status-publish has-post-thumbnail hentry" id="fl-post-3459" itemscope="itemscope" itemtype="https://schema.org/CreativeWork">
628
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633		
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638	<div class="fl-module-content fl-node-content">
639		<h1 class="fl-heading">
640		<span class="fl-heading-text">Frequently Asked Questions<br>about Mortgages & Hard Money Loans</span>
641	</h1>
642	</div>
643</div>
644<div class="fl-module fl-module-rich-text fl-node-64f90019c4791" data-node="64f90019c4791">
645	<div class="fl-module-content fl-node-content">
646		<div class="fl-rich-text">
647	<p>Welcome to <span style="color: #272a67;"><strong>MVF's</strong> </span><em><span style="color: #272a67;"><strong>F</strong></span>requently <span style="color: #272a67;"><strong>A</strong></span>sked <span style="color: #272a67;"><strong>Q</strong></span>uestions</em> (FAQ) page. While nearly every real estate loan we have helped fund since 1985 has been unique, as no two borrowers are identical and every property will have its own unique attributes, we have compiled a list of the most common questions our team receives along with the most likely answer. While we are fairly certain you're looking for an answer that goes beyond "It Depends", and we've done our best to avoid using this catchall phrase, do keep in mind that a <span style="text-decoration: underline;">
647<a href="https://www.mvloans.com/apply-now/purchase-assistant/"><em><strong>quick, no-obligation consultation</strong></em></a></span> with one of our seasoned loan officers will always be the best source for accurate and applicable information. <strong>Plus</strong>, you'll gain access to the 300+ years of collective experience that have guided thousands of borrowers to the benefits of being a property owner in California.</p>
648</div>
649	</div>
650</div>
651<div class="fl-module fl-module-rich-text fl-node-5def969dc2aa1" data-node="5def969dc2aa1">
652	<div class="fl-module-content fl-node-content">
653		<div class="fl-rich-text">
654	<h2><span style="color: #ad852d;">General Real Estate Loan Questions:</span></h2>
655<h3>What Type of Real Estate Loans Do You Offer?</h3>
656<p>The simple answer is that we offer all types of first and second mortgages for <span style="text-decoration: underline;"><a href="https://www.mvloans.com/loan-options/home-loans/"><em><strong>residential</strong></em></a></span> and <a href="https://www.mvloans.com/loan-options/commercial-financing/"><span style="text-decoration: underline;"><strong><em>commercial properties</em></strong></span></a>. Whether you are a first-time home buyer, business owner, seasoned investor, <strong><em><a href="https://www.mvloans.com/loan-options/ag-financing/"><span style="text-decoration: underline;">ag business</span></a></em></strong>, or a property owner looking to use your equity, we can help.  We also offer what some may call <a href="https://www.mvloans.com/loan-options/private-money/"><span style="text-decoration: underline;"><strong><em>second-chance loans</em></strong></span></a>, for those with credit challenges, so even if you've filed for bankruptcy we have a program to help. As a direct lender, we also provide short-term (less than 36 months) <strong><em><a href="https://www.mvloans.com/loan-options/private-money/"><span style="text-decoration: underline;">private money mortgages</span></a></em></strong>, also known as <strong><span style="text-decoration: underline;"><em><a href="https://www.mvloans.com/loan-options/private-money/">hard money loans</a></em></span></strong>, that typically provide a fast funding solution when a national or local bank won't accept the risk. Use the following link to explore our <strong><a href="https://www.mvloans.com/loan-options/"><em><span style="text-decoration: underline;">most common real estate loan options</span></em></a></strong> or submit this simple <a href="https://www.mvloans.com/services/ask-a-professional/"><em><strong><span style="text-decoration: underline;">form</span></strong> to have a seasoned loan officer review your loan scenario</em></a>, one of Mid Valley Financial's experienced loan officers will contact you within a business day and guide you to the best mortgage solution.</p>
657<h3>How Much Do I Need For A Down Payment?</h3>
658<p>Down payment requirements depend on the type of loan you get. We can offer home loans with as little as 0% down. Some sellers can carry paper to help finance a down payment resulting in an even lower down payment. The VA loan is a true 100% loan to value, which means the seller can pay the closing costs and there is no money out of pocket.</p>
659<h3>How Long Does Approval Take?</h3>
660<p>Approval times vary based on your loan application's complexity. Typically, we can pre-qualify a borrower within minutes. However, obtaining a pre-approval, which is a lending commitment, usually takes one to two business days for complete underwriting approval.</p>
661<p>Being a prepared buyer can save you time and make you a preferred client for realtors. It also helps you understand your affordability. You can get started by completing our secure Online Loan Application. If you prefer paper, download a <span style="text-decoration: underline;"><em><a href="https://admin.my220.com/client_data/share_files/form1003.pdf">residential</a></em></span> or <a href="https://www.mvloans.com/wp-client_data/21931/4017/uploads/2023/08/MVF-CRE-Loan-Application-Business-Purpose-Loans.pdf"><span style="text-decoration: underline;"><em>commercial</em></span></a> loan application. Once complete, you can <span style="text-decoration: underline;"><em><strong><a href="https://midvalleyfinancial.sharefile.com/r-r4889a325652740d080f
66109bd0d2965a59">use our secure drop box</a></strong></em></span>, <span style="text-decoration: underline;"><em><strong><a href="https://maps.app.goo.gl/KCs6rQvaDDTLZ6JH7">visit us in person</a></strong></em></span>, or fax it to <span style="color: #ad852d;"><strong><em>(559) 432-8298</em></strong></span>. If you'd prefer to <strong><em><span style="text-decoration: underline;"><a href="mailto:[email protected]">email</a></span></em></strong> your application and supporting documents, please call <a href="tel:+1(559) 432-8221">(559) 432-8221</a> and request a secure folder to share your personal information.</p>
662<h3>What Are Closing Costs?</h3>
663<p>Closing costs are fees charged to cover appraisals, title searches, document preparation, recording fees, flood certification, and so forth. They can be included in the loan amount for some transactions resulting in zero out-of-pocket costs.</p>
664<h3>What Is The Best Type Of Loan For Me?</h3>
665<p>Choosing the right loan depends on many aspects. For instance, how long you plan to keep the property; how much of a down payment you can afford; how much of a monthly payment you can afford; what future earnings look like and so forth. Start by getting pre-qualified to find out what is available to you by filling out our Online Pre-Qualification Form.</p>
666<h3>What If I Have Had Credit Problems In The Past?</h3>
667<p>Mid Valley Financial works with many lenders and can obtain financing for virtually anyone regardless of their past credit problems. Simply fill out the Online Pre-Qualification Form<em> </em>to get started!</p>
668<h3>I’ve Only Been Late On A Couple Of My Credit Card Bills. Does This Mean I Will Have To Pay An Extremely High-Interest Rate?</h3>
669<p>Not necessarily. If you have been late less than three times in the past year, and the payments were no more than 30 days late, you probably have a reasonable chance of getting a home loan at a competitive interest rate. If the late payments were 60+ days late and cannot be explained, you may have to settle for a higher interest rate. <span style="text-decoration: underline;"><a title="Ask A Professional" href="/ask-a-professional/">Contact us</a></span> for further information.</p>
670<h3>When Should I Apply For My Loan?</h3>
671<p>Today! Then you can get pre-qualified which means you’ll know what is available to you before going shopping for your new home. This will also allow you to know the mortgage you can afford in advance. Just fill out our Online Pre-Qualification Form!</p>
672<h3>Why Should I Be Pre-Qualified?</h3>
673<p>By pre-qualifying, you know what price range is in your budget for a home mortgage. This ultimately puts you ahead of the game! Start by filling out our Online Pre-Qualification Form<em> </em>today!</p>
674<h3>What Is Private Mortgage Insurance (PMI)?</h3>
675<p>In the event that you do not have a 20% down payment, lenders will allow a smaller down payment – as low as 0% in some cases. With the smaller down payment loans, however, borrowers are usually required to carry private mortgage insurance. Private mortgage insurance will usually require an initial premium payment and may require an additional monthly fee depending on your loan’s structure. Learn more about financial terms <span style="text-decoration: underline;"><a title="Glossary" href="/glossary/">here</a>.</span></p>
676<h3>What Are Points?</h3>
677<p>There are two types of points: Discount and Origination. Discount points are charged for the purpose of obtaining a lower rate. Origination points are a fee charged by the lender for doing the loan. A point is equal to 1% of the loan amount. Learn more about financial terms <a title="Glossary" href="/glossary/"><span style="text-decoration: underline;">here</span></a>.</p>
678<h2><span style="color: #ad852d;">Hard Money (Private Money) Loan FAQ's</span></h2>
679<h3>What is a Hard Money Loan?</h3>
680<p>A hard money loan, also referred to as a private money loan, is a short-term, asset-based loan primarily used in real estate investing. Unlike traditional bank loans, hard money loans are funded by private investors or direct lenders like Mid Valley Financial. These fast-funding loans are typically based on the value of the property being used as collateral rather than a borrower's credit history and they can solve many of the challenges a borrower would encounter when dealing with the stricter underwriting criteria of a national or local bank. <a href="https://www.mvloans.com/loan-options/private-money/"><strong><em><span style="text-decoration: underline;">Learn More about MVF's Hard Money Loan Options</span></em></strong>.</a></p>
681<h3>What Are the Benefits of Choosing Mid Valley Financial for a Hard Money Loan?</h3>
682<p>MVF offers several advantages, including fast approval and funding, flexible loan terms, competitive interest rates, and a simplified application process. We specialize in helping real estate investors secure the financing they need quickly and efficie
682ntly. <a href="https://www.mvloans.com/private-money-loans/"><span style="text-decoration: underline;"><em><strong>Submit a Loan Scenario for a No-Obligation Evaluation.</strong></em></span></a></p>
683<h3>What Types of Properties Can I Use as Collateral for a Hard Money Loan?</h3>
684<p>We can use a wide range of property types as collateral, including residential, commercial, land, and other investment properties. We understand that real estate investments come in various forms, and we are here to help you finance your project, regardless of the property type. <em><strong><a href="https://www.mvloans.com/loan-options/private-money/#Commercial-Properties">Explore the Typical Property Types</a></strong></em>.</p>
685<h3>How Does the Approval Process Work with MVLoans?</h3>
686<p>Our approval process is designed for speed and efficiency. After you submit your loan application and property details, we'll assess the property's value and your future plans to see if it is a good fit for our portfolio. Since we focus on the property's potential and not just a credit score or a property's current condition, we can say yes when other lenders say no and you can expect funding in as little as 10 business days. <a href="https://www.mvloans.com/private-money-loans"><em><strong><span style="text-decoration: underline;">Start Your No-Obligation Loan Evaluation.</span></strong></em></a></p>
687<h3>What are the Typical Hard Money Loan Terms with Mid Valley Finacial?</h3>
688<p>MVF offers short-term loan options, typically ranging from 6 months to 2 years. However, loan terms can be customized to fit your specific needs and project timelines. We'll work closely with you to create a repayment plan and exit strategy that will align with your current and future goals. <a href="https://www.mvloans.com/private-money"><span style="text-decoration: underline;"><em><strong>Learn More About Our Loan Terms.</strong></em></span></a></p>
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690<h2><span style="color: #ad852d;">Refinancing FAQ's</span></h2>
691<h3>Mortgage Rates Are At Favorable Levels. Is It Time For Me To Refinance?</h3>
692<p>When interest rates fall, a homeowner should definitely call Mid Valley Financial Services about refinancing! Start by discussing your entire financial situation and your goals. Once the goal is determined, contact Mid Valley Financial and we will provide a couple of refinancing scenarios for you. Each will show how your loan term length, monthly payment, and your total interest expense on the loan will change. After looking at these scenarios, it will be clear whether or not you should spend the money to refinance. Learn more about refinancing <a title="Residential Loans" href="https://www.mvloans.com/loan-options">here</a>.</p>
693<h3>How Do I Know When I Should Refinance My Current Mortgage Loan?</h3>
694<p>It is often said that you should refinance when mortgage rates are 2% lower than the rate you currently have on your loan. Refinancing may be a viable option even if the interest rate difference is less than 2%. A modest reduction in the loan rate can still trim your monthly payment. For example, the monthly payment (excluding taxes and insurance) would be about $770 on a $100,000 loan at 8.5%. If the rate were lowered to 7.5%, the monthly payment would be about $700, a savings of $70. The significance of such savings in any scenario will depend on your income, budget, loan amount, and the change in interest rate. Get started by contacting a<span style="text-decoration: underline;"> <em><strong><a title="Staff Profiles" href="/staff/">Mid Valley Financial loan officer</a></strong></em></span><em><strong> </strong></em>today!</p>
695<h3>Should I Try To Pay As Many Discount Points As Possible To Lower My Loan’s Interest Rate?</h3>
696<p>If you plan on staying on the property for at least a few years, paying discount points to lower the loan’s interest rate can be an excellent way to lower your required monthly loan payment (and possibly increase the loan amount that you can afford to borrow). However, if you only plan to stay on the property for a year or two, your monthly savings may not be enough to recoup the cost of the discount points that you paid up-front. Contact us<em> </em>to see how long it would take for your monthly savings to recoup the costs of the discount points.</p>
697<h3>What Does It Mean To Lock The Interest Rate On A Mortgage Loan?</h3>
698<p>Due to the nature of <span style="text-decoration: underline;"><a href="https://sf3.tomnx.com/permalink/market?userId=pW5nhm">in</a><a href="https://sf3.tomnx.com/permalink/market?userId=pW5nhm">terest</a><a href="https://sf3.tomnx.com/permalink/market?userId=pW5nhm"> rate movement</a>,</span> mortgage rates can change dramatically from the day you apply for a mortgage loan to the day you close the transaction. If interest rates rise sharply during the application process, it could make a borrower’s mortgage payment larger than he/she previously thought. To protect against this uncertainty, a lender can allow the borrower to ‘lock-in’ the loan’s interest rate, guaranteeing the borrower the prevailing loan rate for a specified period of time (often 30-60 days). <a href="tel:+1-559-432-8221"><em><strong><span style="text-decoration: underline;">Call</span> us</strong></em></a><em> </em>for details and pricing on this service.</p>
699<h3>Should I Lock-In My Loan Rate When Applying For A Mortgage Loan?</h3>
700<p>No one knows for sure how interest rates will move at any given time but we may be able to give you an estimate of where mortgage rates could be headed. If interest rates are expected to be volatile in the near future, you may want to consider locking your interest rate if rising rates will no longer allow you to qualify for the loan. If your budget can handle a higher loan payment, you might want to consider allowing the interest rate to ‘float’ until the loan closing. <a title="Staff Profiles" href="/staff/"><span style="text-decoration: underline;">Find a loan officer</span></a> to assist with your interest rate today!</p>
701<h2><span style="color: #ad852d;">Adjustable Rate Mortgages (ARM)</span></h2>
702<h3>When Interest Rates Are Low, Should I Consider An Adjustable Rate Mortgage (ARM) Loan?</h3>
703<p>One of the advantages of Adjustable Rate Mortgage (ARM) loans is that they can have lower interest rates (during the first couple of years) than a fixed-rate loan program. Even when fixed interest rates are low, the starting rate on ARM loans is still lower. Of course, this lower rate may be only temporary, depending on future interest rate movements. One of the questions that you need to ask yourself is: How long do you think you will live on the property? If you plan on moving in a couple of years, ARM loans can save you interest costs without exposing you to much risk of future payment changes.</p>
704<h3>I Only Plan To Live In My House A Few Years. Is An ARM Loan A Good Option For Me?</h3>
705<p>Many people choose the traditional 30-year fixed-rate mortgage loan because they want payment stability. If you only plan to stay in the home for a couple of years, you may 
705not want to pay for the extra stability that you are not using. Instead, you may want to consider getting some type of Adjustable Rate Mortgage (ARM) loan. They offer lower starting interest rates than the 30-year fixed-rate loan. Some ARM programs will start with interest rates as low as 1% but the interest rate will be subject to change every month. The one-year ARM loan will usually have a starting interest rate of 1-2% below the prevailing 30-year fixed rate and will be subject to change every year. <em><strong><span style="text-decoration: underline;"><a title="Ask A Professional" href="/ask-a-professional/">Contact us</a></span></strong> </em>today to learn more.</p>
706<h3>If I’m Not Sure How Long I Plan To Stay On The Property, Should I Still Consider An ARM Loan?</h3>
707<p>There are several types of ARM loans available with different levels of ‘payment-change’ risk. You can choose a loan with an interest rate that adjusts every six months or a year. These loans usually have the most attractive introductory rates. There are also loans that will offer a fixed interest rate for three, five, seven, or even 10 years before turning into one-year adjustable rate loans. These loans offer some payment stability and a lower rate than what could be obtained with a fixed-rate loan. But remember, loans with fewer rate adjustments usually charge a higher introductory rate. <a href="tel:+1-559-432-8221"><span style="text-decoration: underline;"><em><strong>Call us</strong></em></span></a><em> </em>for more information.</p>
708<h3>If I Get An Adjustable Rate Mortgage Loan, How Does My Lender Determine What The Rate Will Be From Year to Year?</h3>
709<p>Although your interest rate can be subject to change, Mid Valley Financial will calculate the interest rate at each adjustment period by adding its margin (an interest rate that is specified when you get the loan) to an established monetary index. The margin will vary and you should <em><strong><span style="text-decoration: underline;"><a href="tel:+1-559-432-8221">give us a call</a></span></strong> </em>for more detailed information.</p>
710<h3>What Indexes Are Used to Calculate ARM Loan Rates?</h3>
711<p>A variety of adjustable rate programs are available that use different indexes. <a href="https://www.mvloans.com/services/ask-a-professional/"><em><span style="text-decoration: underline;">Contact us</span></em></a> for details today for the most recent information.</p>
712<h2><span style="color: #ad852d;">Fixed Mortgages</span></h2>
713<h3>Aren’t There Just Two Kinds Of Mortgages: Fixed And Adjustable Rate?</h3>
714<p>You could say that. All mortgages do fall into one of these two categories: either the interest rate you pay is the same (fixed) for the life of the mortgage, or it can change (adjust) over the life of the mortgage. Learn more financial terms <a title="Glossary" href="/glossary/"><span style="text-decoration: underline;"><em><strong>here</strong></em></span></a>.</p>
715<h3>What Is A Fixed-Rate Mortgage?</h3>
716<p>With this type of mortgage, your monthly payments for interest and principal never change. Property taxes and homeowners insurance may increase, but generally, your monthly payments will be very stable. Fixed-rate mortgages are available for 50 years, 40 years, 30 years, 20 years, 15 years and even 10 years. There are also ‘bi-weekly’ mortgages, which shorten the loan by calling for half the monthly payment every two weeks. Since there are 52 weeks in a year, you make 26 payments, or 13 months worth, every year. Learn more by <a title="Ask A Professional" href="/ask-a-professional/"><em><strong><span style="text-decoration: underline;">contacting us</span></strong></em></a><em> </em>today!</p>
717<h3>How Do I Know Which Type Of Mortgage Is Best For Me?</h3>
718<p>There isn’t a single, simple answer to this question. The right type of mortgage for you depends on many different factors: Your current financial standing, how long you intend to keep your house, and so forth. For example, a 15-year fixed-rate mortgage can save you many thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher. With an adjustable-rate mortgage, you may start with a lower monthly mortgage than a fixed-rate mortgage, but your payments could get higher when the interest rate changes. The best way to find the right answer is to <em><strong><span style="text-decoration: underline;"><a title="Ask A Professional" href="/ask-a-professional/">contact Mid Valley Financial</a>.</span></strong></em></p>
719<h3>How Much Will My Credit History Affect My Ability To Get A Mortgage?</h3>
720<p>This is a common worry for many home buyers. Most don’t need to worry about the effects of their credit history. As a security measure, it’s best to <span style="text-decoration: underline;"><a href="https://www.annualcreditreport.com/requestReport/landingPage.action" target="_blank" rel="noopener"><em>get a free copy of your credit report</em></a></span> to review before you apply for your mortgage. That way if there are any errors you can take steps to correct them before you submit your application. If you have had credit problems, be prepared to discu
720ss them honestly with your loan officer, as well, you should be ready to provide a written explanation of the circumstances. We know that there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties. If you've had a problem corrected, and your payments have been on time for a year or more, your credit will probably be considered satisfactory.</p>
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791	<p style="text-align: center;"><span style="font-size: 16px;"><strong>Location<br />
792</strong><a href="https://goo.gl/maps/PzFPr1dRHa52" target="_blank" rel="noopener">7644 North Palm Avenue<br />
793Fresno, CA 93711<br />
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795<span style="font-size: 16px;"><a href="mailto:[email protected]">Email MVF</a></span></p>
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805	<p style="text-align: center;"><span style="font-size: 16px;"><strong>Office Hours</strong></span><br />
806<span style="font-size: 16px;">Mon-Fri 8:00am - 5:00pm</span><br />
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