Tony Valdez, Lower Mortgage
Loan Officer | NMLS# 448616
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Tony begged me to get my business. I finally gave in and completed the form. I was told I was approved and the loan is going through. over a month later I have no idea where I am with this mortgage. I keep having to chase them to find out what's...
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i have not been kept updated on anything through this company. A few times I had to contact Tony to get an update and I was refered to Tina who never followed up. It's October 6 and I don't know if I should pay my old mortgaeg or not. This...
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Tony Valdez was professional, knowledgeable, and easy to work with throughout the entire mortgage process. He communicated clearly, answered all my questions, and made everything feel smooth and straightforward. I highly recommend Tony to anyone...
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Great quick work and very professional
Reply from Owner
September 3rd, 2026 11:48 PM
Thank you for the kind words, Robert. It was a pleasure working with you. Thank you for your military service!
All questions were answered.
Reply from Tony Valdez, Lower Mortgage
August 31st, 2026 01:51 AM
Thank you, Tony. I'm happy to know that all your questions were addressed. If there's anything else you need, please feel free to reach out.
Tony is a true professional, providing information and wonderful service at all times. He was available when I needed him to be and he took care of my father and I exceptionally. A true consummate loan officer of Lower Mortgage and the industry....
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Reply from Tony Valdez
August 21st, 2026 08:06 PM
Thank you for your kind words, Gabriel. I'm pleased to hear that you and your father had a positive experience and found my service helpful. It's always my goal to be available and provide the best support possible.
Tony and his team explained everything and answered all of our questions. They are efficient and helpful.
Reply from Tony Valdez
August 3rd, 2026 05:17 PM
I'm grateful for your positive feedback, Dana. It's great to know that you found our explanations and assistance helpful throughout the process. Thank you for recognizing our team's efficiency and support.
Tony availed himself to questions and communication which is greatly helpful while traversing a processing such home loan acquisition.
Reply from Tony Valdez, Lower Mortgage
June 29th, 2026 04:05 PM
I appreciate your feedback, Breeanna. I'm glad I was able to be available for your questions and communication needs during the home loan process. If you have any more questions or need further assistance, feel free to reach out.
It all worked out
Reply from Tony Valdez, Lower Mortgage
June 8th, 2026 11:54 PM
I'm pleased to hear that everything worked out, Cristian. If there's anything more I can do for you in the future, please feel free to reach out. Thank you for your feedback!
Tony Was very helpful and guided us all along the way and always available
Reply from Tony Valdez, Lower Mortgage
June 5th, 2026 04:30 PM
Victor, I appreciate your kind words and am glad to hear that you found my guidance helpful throughout the process. Being available for my clients is important to me, and I'm pleased it made a positive difference for you. If there's anything...
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Military Loan Specialist;
Investment Purchase Specialist
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Positions
- Lower Mortgage - Loan AdvisorDec 1st, 2025 - Current
Memberships
- NAHREP San Fernando Valley
- SRAR
- NAHREP
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1998
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 448616
Hobbies
- Golf
- Family
- Baseball
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Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.