Who We Are
At Valley Affordable, we make your dream of land ownership in Hidalgo County a reality. The process is easy and efficient. We want you to know we are devoted to your journey.
Learn More About Us
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What We Do
Valley Affordable makes land ownership possible for everyone. Our owner financing enables buyers who struggle with conventional lenders access a low downpayment and affordable monthly payments.
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Buying Land
We help you reach your dream of land ownership.
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Getting a Mortgage
Through owner financing, there is no need for banks.
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Free Consultation
Call us today to see how we can help you.
Why Choose Us
If you are looking for an alternative to traditional bank financing, you will be happy to hear we offer Owner Financing. Owner Financing makes it so that you have the opportunity to qualify for overall lower payments in your journey to land ownership.
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It's Efficient
The team at Valley Affordable is dedicated to working closely with our clients to deliver complete satisfaction with all results. Even those with bad credit or no credit will experience the ease of working with our team to help you take the first step towards land ownership.
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It's Simple
Our team makes the owner-financing process as simple as can be. We work closely with our clients to get them closer to land ownership as quickly as possible.
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It's Cost-Effective
At Valley Affordable, we make every opportunity for an individual to own land possible. To accomplish that goal, we price our lots with our clients in mind.
Frequently Asked Questions
How can I find out more information regarding any new properties coming soon?
Please continue visiting our website for new upcoming properties or feel free to contact us at 956-287-2800 to get more information.
Is escrow included in the monthly payment?
Yes, escrow is part of the monthly payment.
Where are the subdivisions located?
Current properties are located outside of city limits:
- Hidalgo County
- Donna, Texas 78537
Where can I send my payments?
- Office: Valley Affordable Mortgage
200 S. 10th Street, Suite 1608
McAllen, Texas 78501
956-287-2800 Ext. 772
What are my payment options?
Current payment acceptance:
- Personal Checks
- Money OrdersComing Soon:
- Bank Draft (ACH) – (Pending Completion)
- Online at website
- At certain retailers:
- Walmart
- HEB
- Other stores to be named
What utility companies service those areas?
- Water Service – North Alamo Water Supply
- 420 S. Doolittle Rd, Edinburg TX 78542
- Website: https://www.nawsc.com/
- 1-800-734-0620
- Electric Company- Magic Valley Electric Cooperative
- 2200 West 2nd, Mercedes, Texas 78570
- Website: https://magicvalley.coop/
- 1-866-225-5683
What are some requirements when purchasing property?
Two current forms of ID may include: 1) Texas Drivers License/Identification, passport, social security number, birth certificate from country of origin. 2) Full down payment along with any other applicable fees.
How soon can I move in?
You can begin to occupy your land as soon as the necessary permits have been obtained, and water and electricity have been installed on your property.
Can I get a loan with someone else?
While we offer owner financing and other help you may need, you are free to use any lender that best accommodates your needs. We at Valley Affordable want what is best for you and your family even if that means getting a loan elsewhere.
Will my property (Residential or Commercial) have utilities already installed?
All residential lots will have all utilities installed. The customer is only responsible for the cost of opening an account and deposits (if any). Unfortunately, if a client purchases a commercial lot, the utilities will not come installed and it is up to the customer to achieve that process.
Can non-citizens buy property?
Foreign citizens can buy and own land in the United States. There are no laws that prohibit a foreign national from buying or owning property.
When is my first monthly Payment Due?
Your first payment will be due 30 days from your closing date.
What are the financial advantages of buying a lot from Valley Affordable?
Through Valley Affordable’s fixed-rate mortgage loan product you will benefit from:
Low down-payments
Reasonable interest rates
Budget-friendly monthly payments
Less strict credit requirements
An open contract, allows you to pay off your lot early, saving on interests, without any penalties
An escrow account, through which Valley Affordable keeps your property taxes in custody and pays them on your behalf when they are due, making sure you stay in good standing with the taxing authorities.
Take Your First Step to Land Ownership
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