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Tony Valdez, Lower Mortgage - Loan Officer | NMLS# 448616 in Valencia, CA

Tony Valdez, Lower Mortgage

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Loan Officer | NMLS# 448616

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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
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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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Overall Ratings
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5 Star
98%
4 Star
1%
3 Star
0%
2 Star
0%
1 Star
1%
Reviews from Web
  • FTP
    S
    Said G
    Canoga Park, CA
    Posted on July 19th, 2019 03:33 PM
    Everything was great, fast and with great communication. Thanks Tony for all your help!
  • customer
    B
    Blanca D
    Posted on June 20th, 2019 02:27 AM
    I am a Real Estate Agent, (Realtor) I have worked in multiple transaction for many years. Tony has helped my buyers, sellers, family, friends and personal with their Financing needs. I highly recommend Tony. He is an amazing and effective communicator,...
    read more
  • agent
    J
    Jorge O
    Posted on June 19th, 2019 08:51 PM
    Tony communicated effectively and in a timely manner.. whether it was a phone call or email.. great team (staff)approach to completing refinance process ..
  • FTP
    M
    Matthew D
    Posted on June 14th, 2019 02:52 AM
    From start to finish Tony and his staff made the process really straight forward and easy. He was very patient with us being first time home buyers and all of our questions. I appreciated the updates we received at each step of the process....
    read more
  • FTP
    J
    Jaime H
    Posted on June 10th, 2019 09:11 PM
    Tony and his team were a pleasure to work with. Everything went smooth and him and his assistant kept me updated every step along the way. Highly recommend Tony and his team.
  • FTP
    A
    Ashley C
    Posted on May 19th, 2019 02:58 AM
    Tony is always a pleasure to work with. He is positive, knowledge and helps guide you through the complicated processes of home buying without judgement. I couldn’t imagine working with anyone else.
  • FTP
    P
    Pedro G
    Posted on May 17th, 2019 12:07 AM
    Very helpful and available at anytime
  • Zillow
    C
    Ccanales768
    Santa Clarita, CA
    Posted on February 7th, 2019 12:00 AM
    Tony assisted us with our original home purchase after a difficult short sale. He is always willing to assist his customers. We appreciated his assistance for our refinance.
  • Zillow
    M
    M Q
    Posted on October 4th, 2018 12:22 AM
    Tony and his team were great! They made the whole loan process easy and put my mind at ease. They also responded quickly at all hours. I would recommend them to anyone looking for a loan.
  • Zillow
    M
    M Q
    Los Angeles, CA
    Posted on October 3rd, 2018 12:00 AM
    Tony and his team were great! They made the whole loan process easy and put my mind at ease. They also responded quickly at all hours. I would recommend them to anyone looking for a loan.
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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 Advisor
      Dec 1st, 2025 - Current
    Memberships
    • NAHREP San Fernando Valley
    • SRAR
    • NAHREP
    Addresses and 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.