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
Fri
9 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
It was fast and easy
Tony was fantastic. Communicative, knowledgeable, friendly and most importantly saw the deal through to the end.
I was able to get ahold of someone when I had questions about my refinance. They were extremely courteous and informative. I would definitely keep them in mind for any future home transaction/loan. I also will highly recommend them to my friends...
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Tony , Tina and Deanne were prompt and could be easily talk to and and gladly answered our inquiries. They were very helpful and provided guidance in every step of our refinancing.
Thank you Guys!
Awesome, you guys done good job, on time as promised all the time.
Thanks
Jacob Koshy
From start to end he take the lead and responsibility to close the deal in very professional manner.
Gr8.
Tony Valdez was great! He was always available to answer all our questions and walked us through the home purchase process! I highly recommend Tony and his team and look forward to using him again in the future.
Very helpful patient and professional
Tony and his team were GREAT! They made sure they communicated with me every step of the way.
Tony and his team have a high level of attention to detail which results in an efficient process. Very thorough making the tedious process easier to get through. Highly recommended
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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.