

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
Everything was great, fast and with great communication. Thanks Tony for all your help!
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,...
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Tony communicated effectively and in a timely manner.. whether it was a phone call or email.. great team (staff)approach to completing refinance process ..
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....
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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.
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.
Very helpful and available at anytime
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.
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.
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 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.