# Valley Mortgage vs NHWM

The clearest difference is iOS requirement: NHWM at 15.6 against Valley Mortgage's 18.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Valley Mortgage ships an update every 3 months, NHWM every 4 months. The most recent releases landed on October 24, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | Valley Mortgage | NHWM |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (12 ratings)](https://appshunter.io/ios/app/valley-mortgage/id1561394487/reviews)** | — |
| Number of ratings | **12** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 4 months |
| Monetization | Free | — |
| Size | 101 MB | 61 MB |
| Requires iOS | 18.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Valley National Bank](https://appshunter.io/developer/808338459) | [NHWM LLC](https://appshunter.io/developer/1717091982) |

## What reviewers say

### Valley Mortgage

[App page](https://appshunter.io/ios/app/valley-mortgage/id1561394487)

This app simplifies the home buying and lending process for homebuyers, homeowners, and real estate agents. It offers tools to compare loan scenarios, calculate refinancing savings, and determine affordability. Users can also scan and upload documents, access contact information, and stay updated on industry news.

**Highlights:** Compare lending scenarios, Calculate refinancing savings, Determine homeownership affordability, Scan and upload documents, Access loan officer contact info, Stay updated on industry news

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### NHWM

[App page](https://appshunter.io/ios/app/nhwm/id6472498310)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Valley Mortgage free?

Valley Mortgage is free to download, with no in-app purchases.

### Is NHWM free?

NHWM is free to download, with no in-app purchases.

### Do Valley Mortgage or NHWM have ads?

Neither Valley Mortgage nor NHWM shows ads.

### Which is updated more often, Valley Mortgage or NHWM?

Valley Mortgage ships an update every 3 months, and NHWM every 4 months. Most recently, Valley Mortgage was updated on October 24, 2026 and NHWM on October 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*