The Valley Strong Credit Union is a mortgage from Valley Strong Credit Union. Approval typically requires a credit score of Minimum credit score of 675 or higher. Typical credit limit: Up to $500,000; borrow up to 60% of the contract sales price or appraised value. Loan terms: 10-year loan with 30-year amortized payments; balloon payment due at the end of 10 years; no prepayment penalty.