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
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
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....
read more
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...
read more
Tony made everything so easy for us, even with unexpected hurdles he always stayed calm and had a quick solution ready. He also got us an amazing deal! I'm so happy we chose Tony to help us buy our first home and I would absolutely use him...
read more
Reply from Tony Valdez
June 4th, 2026 05:39 PM
I'm glad to hear I could make the home-buying process easier for you, Candice. Navigating unexpected hurdles and finding quick solutions is something I strive to do for all my clients. Thank you for your kind words and for recommending me to...
read more
Kept me informed
Reply from Tony Valdez, Lower Mortgage
May 25th, 2026 05:28 PM
I'm glad I was able to keep you informed, Rhobert. If you have any more questions or need further assistance, feel free to reach out. Thank you for your review!
Tony went above and beyond to make sure we understood each step of this process . In a time that's extremely stressful, Tony was able to be a positive support to work along side of our realtor. I can't express thankfuk we are to have been able...
read more
Reply from Tony Valdez, Lower Mortgage
May 12th, 2026 07:20 PM
Amanda, I appreciate your kind words. I'm glad I could provide the support you needed during such a stressful time and work alongside your awesome realtor to ensure you understood each step of the process. Thank you for trusting me to guide...
read more
Tony was extremely professional, always available to help and worked hard to make the deal happen. Would use him every single time.
Reply from Tony Valdez, Lower Mortgage
May 6th, 2026 04:42 PM
I'm glad to hear you had such a positive experience, Jordan. Your trust and willingness to work with me again are truly appreciated. Thank you for your kind words!
Great communication and helpful explanations along the way!
Reply from Tony Valdez
April 21st, 2026 04:25 PM
Thank you for your kind words, Rajeev. I'm glad to hear that you appreciated the communication and found the explanations helpful. If there's anything else I can assist you with, please let me know.
10 of 234
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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
View All
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.