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
Working with a lender who’s knowledgeable and has the best interest in mind for the client is what makes the transaction pleasant and that’s what Tony Valdez brings to the table. I recommend him 100% to anyone looking to secure a mortgage loan....
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Very responsive and enthusiastic.
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The process took longer than anticipated but Stacy kept us updated and on track. I enjoyed working with Stacy. She went above and beyond.
She was available to us and worked around our schedule. She helped keep the stress to a minimum.
Tony Valdez is extremely knowledgeable in his field, his team was exceptional, keep the entire team informed of the process and time lines. Transaction closed on time.
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Tony Valdez was very helpful through the whole refinance process. He was quick to return calls and answered any questions we had.
We look forward to doing future business with Tony.
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Tony and his team kept me informed throughout the whole process of my refinance. They were all quick to respond to my questions and concerns. The whole team made this experience stress-free.
Great service from start to finish. Tony was always available and always had answers for any questions we had. Definitely would recommend him to family and friends!
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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.