Welcome To Valley Central Bank

Whether you are purchasing or refinancing your home Valley Central Bank has a wide range of Loan Programs available to meet your family needs.  Our experienced Mortgage Consultants will not only guide you through the mortgage loan process but they will provide you with financing options for you to review and assist you with determining the program that best fits your needs.


This site has a variety of resources and easy to use tools to give you knowledge to the homebuying process that you are about to embark on.  We look forward to assisting you with your mortgage needs.


Purchasing a Home or Refinancing

Whether you are a first-time homebuyer, an experienced homebuyer purchasing a new home or a current homeowner looking to refinance your home our Mortgage Consultants have the knowledge and experience to assist you with your mortgage needs.  At Valley Central bank we have a complete Product Menu that offers:  Conventional, FHA, VA, Rural Development, Construction Loans and Second Mortgages (HELOC).  All our programs offer great  rates, low closing costs and quick closings.  For those homebuyers needing down payment assistance we offer Welcome Home Grant Funds as well as other down payment assistant programs.

Construction Loans

Valley Central Bank is a leader in the Greater Cincinnati area when it comes to Construction Lending. We have a One-time Close Construction Loan Program that gives you the security of locking-in your interest rate up-front prior to the start of construction.  We also have a unique Two-Time Close Construction Loan Program.  Our Two-Time Close Construction Loan Progam allows a homebuyer to put NO MONEY DOWN on the Construction Loan and total closing cost of only  $1,500.00.  Our Construction Loan Programs can also be used to allow homebuyers/homeowners the ability to finance their rehab costs into their home loan.  Call today to find out more!


Montgomery Loan Production Office

8160 Corporate Park Drive Suite 135

Cincinnati, Ohio 45242

T 513.821.3335

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Thank you for choosing Valley Central Bank for your residential mortgage loan needs.  Please complete as much of the application as possible.  Once complete, our Mortgage Consultant will review the application and contact you if there are any questions and to set-up a follow-up call to discuss your Pre-Approval and mortgage options.  We will also explain to you the next step on the mortgage loan process.