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 is thorough and always following up. Communication in this business is key and he is always on point.
The whole process was smooth. No problems at all
Tony was fantastic and transformed a very stressful process into something that was manageable. He was very available to answer our many questions and explained us through each step and request. His team was able to untangle a credit error...
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Tony and his team made our home purchasing experience very easy! We highly recommend working with Tony!
Tony Valdez and his amazing team, make the loan process extremely easy, pleasant and most important the communication about the status of the loan is 100% key factor. I recommend Tony Valdez professional Service for all your Real Estate financial...
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Tony is truly amazing! I would highly recommend him, but he’s also an amazing person. He will go above and beyond to get you the best loan possible. I truly cannot say enough about his abilities and professionalism!
Tony, was always straight and to the point with all my question. Honesty is very important and i am glad he was honest about my decision to move forward at the right time. The process was quick and everyone involved always took the time to...
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Great communication and team approach. Accessible when you need Tony. And, finally you feel like you’re dealing with a friend or someone you’ve known for some time. Great experience.
Quick response and helpful especially in fixing little hiccups along the way.
Tony and his team were excellent to work with when we bought our home so he was the first person we called for refinancing!
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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.