Tony Valdez
Loan Officer
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NMLS ID# 448616
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Tony
I’m a dedicated Home Loan Mortgage Advisor committed to guiding individuals, families, and investors through one of the most important financial decisions of their lives. With a passion for simplifying the complex and a talent for finding the right lending solutions, I help clients secure mortgages that fit their goals, timelines, and budgets. Whether you’re a first-time homebuyer, looking to refinance, or exploring investment opportunities, I bring clarity, transparency, and strategic insight to every step of the process. My approach is built on listening, educating, and empowering clients to make confident, informed decisions. I’m here to make homeownership not just possible, but comfortable, achievable, and enjoyable. If you’re planning your next move or simply exploring your options, let’s connect.
Learn About Lower Reverse Mortgages
If you're age 55 or older, your home equity can be a powerful financial tool. Whether you're looking to buy a home, refinance your current mortgage, or access additional equity, Lower offers a range of reverse mortgage solutions designed to help you achieve your retirement goals.
No Monthly Payment
With eligible reverse mortgage products, you can eliminate your required monthly principal and interest payment.
Flexible Ways to Receive Funds
Depending on the solution you choose, you may receive funds as a lump sum, monthly payments, a line of credit, or a combination of options.
Access Equity When You Need It
A standby line of credit you only tap into if and when you need it.
Purchase, Refinance, or Access Equity
Use a reverse mortgage to buy your next home, refinance your current mortgage, or open a standby line of credit against your equity.
Tony is a true professional, providing information and wonderful service at all times. He was available when I needed him to be and he took care of my father and I exceptionally. A true consummate loan officer of Lower Mortgage and the industry.
Gabriel D.
Verified Customer
August 14, 2026
Tony and his team explained everything and answered all of our questions. They are efficient and helpful.
Dana G.
Verified Customer
July 26, 2026
Tony availed himself to questions and communication which is greatly helpful while traversing a processing such home loan acquisition.
Breeanna P.
Verified Customer
June 29, 2026
It all worked out
Cristian L.
Verified Customer
June 8, 2026
Tony Was very helpful and guided us all along the way and always available
Victor C.
Verified Customer
June 5, 2026
Tony made everything so easy for us, even with unexpected hurdles he always stayed calm and had a quick solution ready. He also got us an amazing deal! I'm so happy we chose Tony to help us buy our first home and I would absolutely use him again and recommend him to all my friends and family.
Candice A.
Verified Customer
May 28, 2026
Kept me informed
Rhobert T.
Verified Customer
May 25, 2026
Tony went above and beyond to make sure we understood each step of this process . In a time that's extremely stressful, Tony was able to be a positive support to work along side of our realtor. I can't express thankfuk we are to have been able to work with him
Amanda M.
Verified Customer
May 12, 2026
Tony was extremely professional, always available to help and worked hard to make the deal happen. Would use him every single time.
Jordan M.
Verified Customer
May 6, 2026
Great communication and helpful explanations along the way!
Rajeev V.
Verified Customer
April 21, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.
