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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
Mortgage
Mortgage Loan Officer
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Contact Info
(317) 231-5514
Valencia, CA
https://www.lower.com/lo/tvaldez
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
  • Encompass
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    Cristhian L A
    VALENCIA, CA
    Posted on March 7th, 2026 10:31 PM
    Aloha!Tony has been incredibly vital in providing information and guiding us through the process. He answered every email, took every call, even while traveling and on weekends. His dedication and responsiveness truly made a difference for...
    read more
    Reply from Tony Valdez
    March 16th, 2026 05:17 PM
    Aloha! I'm truly thankful for your kind words, Cristhian. Knowing that my efforts in providing guidance and maintaining responsiveness made a positive impact on your experience is rewarding. I aim to support my clients fully, regardless of...
    read more
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    Luis M
    Posted on February 28th, 2026 04:47 AM
    The whole process was practically completed while in vacation with my family. On our return from vacation the process was in the final stage just to sign final documents. Great experience!
    Reply from Owner
    February 28th, 2026 03:42 PM
    Thank you for the opportunity to be of service. We are happy to hear that it was a seamless and pleasant experience.
  • Encompass
    L
    Luis M
    PALMDALE, CA
    Posted on February 28th, 2026 04:45 AM
    the process moved very fast comoare to other companies.
    Reply from Tony Valdez
    March 9th, 2026 08:17 PM
    I'm pleased to know that you found the process to move swiftly compared to other companies, Luis. Efficiency is something I strive for, and I'm glad it contributed positively to your experience. If there's anything more I can assist you with,...
    read more
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    Luz M
    Posted on February 27th, 2026 02:16 PM
    Tony is great and efficient person to work with. You can count on him to provide the best service. Leads his team to meet deadlines and communication is the best. Always ready and available to answer any questions and returns calls quickly....
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    Reply from Owner
    February 28th, 2026 03:46 PM
    Thank you Liz and Family. It was my pleasure to be of service.
  • Encompass
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    Luz M
    PALMDALE, CA
    Posted on February 27th, 2026 02:15 PM
    Tony, was very helpful in every step of the process, kept us well informed, answered all our questions quickly, was always available and returned our calls. we had full trust in him to complete the process and guide us through it and he delivered!...
    read more
    Reply from Tony Valdez
    March 6th, 2026 02:16 PM
    I'm grateful for your feedback, Luz. It's important to me that you felt well-supported and informed throughout the process. Ensuring timely communication and guidance is a key part of what I aim to provide, so I'm glad I met your expectations....
    read more
  • Encompass
    R
    Ramiro R
    ACTON, CA
    Posted on February 8th, 2026 02:03 PM
    Buenas comunicacion y sobre todo decirnos que nos podria ayudar y sobre todo sugerencias.
    Reply from Tony Valdez
    February 16th, 2026 08:25 AM
    Fue un honor poder ayudarte, Ramiro. - Tony
  • Encompass
    R
    Raidon B
    Palmdale, CA
    Posted on January 24th, 2025 05:38 PM
    Tony is the man for everything on the loan side of the transaction . Him and his team effortlessly and seamlessly helped my clients become homeowners I cant recommend him enough
  • Encompass
    J
    Jaime C M
    Lancaster, CA
    Posted on November 14th, 2024 03:27 PM
    Tony and the team helped me move this along pretty smoothly.
    Reply from Tony Valdez
    December 8th, 2025 09:50 PM
    I'm thrilled to hear that you had a smooth experience with us, Jaime! Your positive feedback means a lot to me and the entire team at PRMG. We always strive to make the process as easy as possible for our clients. If you have any other needs...
    read more
  • Encompass
    V
    Victor H D
    Los Angeles, CA
    Posted on August 28th, 2024 10:11 PM
    Applying for a home loan can be an intimidating process but thanks to Tony he made it as quick and simple as possible. We could not have asked for a better experience. He was very accessible, patient, communicative, professional, and always...
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    Reply from Tony Valdez
    December 8th, 2025 09:50 PM
    Thanks so much for the kind words, Victor! It's great to hear that you felt the home loan process was quick and simple. Your satisfaction is my top priority, and it warms my heart to hear such positive feedback. I'm glad I could help alleviate...
    read more
  • Encompass
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    Fanny F
    Los Angeles, CA
    Posted on August 22nd, 2024 03:17 PM
    Tony Valdez maintained consistent communication with my first-time buyer throughout the transaction, and they appreciated receiving his videos that outlined the subsequent steps involved in the home purchase process. A significant asset for...
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    Reply from Tony Valdez
    December 8th, 2025 09:50 PM
    Thank you so much, Fanny, for this fantastic review. I'm glad to hear that my videos and communication throughout the process were helpful. Being able to provide information in both English and Spanish is indeed something I take pride in. It...
    read more
    • 21–30 of 239
    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.