Valley Mortgage Investments, Inc. is focussed primarily on funding and servicing private money mortgage loans that are in turn secured by real estate. Although the firm is located in Bakersfield, California, they lend to qualified applicants seeking business purpose loans throughout all of California. Valley Mortgage Investments, Inc. was first formed in 2009 and works closely with a group of private investors who place their own funds in privately held trust deeds. As a full-service private lender, they have funded hundreds of loans. They fund and service the loan, meaning they work with clients from the time of application until the loan is paid off. Loan programs offered through Valley Mortgage Investments, Inc. include commercial loans, multi-family loans, agricultural loans, non-owner occupied loans, interest-only loans, partially and fully amortized loans, income-generating loans, and business purpose loans. They guarantee no up-front fees, no prepayment penalties, no FICO requirements, no seasoning requirements, and more.