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
From the very first call until after closing, the entire team at Finance of America was incredible! Especially Tony Valdez! They were efficient, professional, thorough and made me comfortable during the entire process. Tony and his team went...
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From the very first call until after closing, the entire team at Finance of America was incredible! Especially Tony Valdez! They were efficient, professional, thorough and made me comfortable during the entire process. Tony and his team went...
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Great!
Tony was very professional and easy to work with. He replied to my questions promptly and was always on top of the loan process. I would recommend Tony highly.
Tony was awesome! He was always there to mitigate any concerns that my wife and I had during the home buying process. Tony is honest, patient and informative. I would highly recommend him to anyone shopping for a home!
Tony answered all of our questions and was always available. He made a potential stressful transaction very easy and no worries. Everyone on his team was great!
Tony was awesome, he made the processes of refinancing very easy.
Great communication, they made the process of refinancing simple and quick.
Tony and his team were exceptional. They were fast, organized, and above all else nice. They made my first time home buying experience feel welcoming and any questions I had about the process, Tony was there and available to answer. Can't recommend...
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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.