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 Valdez, Lower Mortgage has received a review with 5 star rating from Rene A E
Highly recommend Tony! He took the time needed to get my file to be approved and closed it when others said it could not be done. I constantly throw his name in to my peers if and when they need lending services!
Tony and team, made this process so easy and answered all my questions, didn't matter what time of day it was. Will always return to Tony Valdez for any mortgage needs.
Reply from Owner
October 18th, 2016 12:00 AM
Great working with you. Thank you for the opportunity assist you and your family.
Tony has been my realtor for almost 20 years, and Tony has shown a truth commitment to help his customers. In addition he is honest from the get go, if he can help he will do everything on his power to help but if is not possible he will give...
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I highly recommend Tony as he took my loan and got it approved which is something a few others could not do. He took the time to evaluate my loan and provide me a plan on how we were going to work together to get the loan approved. He educated...
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This was my first time purchasing and I felt I had so many questions that I would be overwhelming; however, Tony never made me feel as though I was a bother. He was always quick to answer my many questions.
Love dealing with Tony!!! Always answers the phone and replies to emails very quickly, and is always helpful with whatever your questions or concerns may be. I would highly recommend Tony to anyone looking to Refinance their property, or looking...
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Very professional and helpful. I really appreciated the attention he gave to my purchase. Tony always responded to my phone calls. Him and his staff (Stephanie) answered my questions promptly. I would recommend Mr. Valdez and his staff. thank...
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Reply from Owner
October 18th, 2016 12:00 AM
A team effort! Thank you
I was first time buyer and Tony made house buying experience not so scary. He walked me through the paperwork process. And always had time for me and my questions. I recommend Tony for helping you future buying.
Tony Valdez was such a great person to work with. Very knowledgeable and always on top of everything that came up. He helped me out so much in any way that was possible. I would recommend Tony Valdez for all of your Real Estate necessities....
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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.