Kristin Sevald – Valley Mortgage, Inc.

Kristin Sevald - Valley Mortgage, Inc. is a mortgage broker in Fargo, North Dakota, specializing in home loans, new construction financing, refinancing, and vacation home mortgages. Serving clients across the Red River Valley, including northern Minnesota, the company provides personalized guidance throughout the mortgage process, from pre-approval to closing. With over 41 years of local experience, Valley Mortgage emphasizes client-focused service, competitive rates, and in-house decision-making. The business maintains a 5.00 rating based on customer reviews, reflecting consistent praise for its professionalism, responsiveness, and attention to detail.

Valley Mortgage is locally owned and managed, distinguishing itself from large national lenders by keeping all processes, pre-approval, underwriting, funding, and closing, within its Fargo office. The company has served the community since 1983, building a reputation for trust and reliability. Its team of experienced loan officers, including President Brian Johnson, works directly with clients to tailor loan solutions to individual needs, whether purchasing a first home, refinancing, or financing a vacation property. The firm prides itself on maintaining secure, private client interactions and delivering a smooth, transparent mortgage experience.

Located on 45th Street South, the business sits just a short distance from Pointe West Park and the adjacent Pointe West and Brandt Crossing neighborhoods. It is situated about a tenth of a mile from 45th Street South and approximately 0.2 miles from 32nd Avenue Southwest, placing it within a residential corridor near green space and established communities.

Valley Mortgage is recognized as the largest independent mortgage lender in North Dakota and northern Minnesota, known for its strong local presence, consistent client communication, and high-quality service. Its well-documented online information and clean website structure reflect a business deeply committed to transparency and accessibility.

In Fargo’s evolving housing market, Valley Mortgage remains a trusted partner for homebuyers and refinancers alike, combining decades of local expertise with modern, client-centered practices.