Apply Now Julio Valdez, Home and Commercial Lending — NMLS #240258
Mortgage strategy
built around where
you’re going —
not just where you are.
JulioValdez
Straight answers, fast
No runaround. You share the goal, Julio tells you what's actually possible — in plain language.
Built on relationships
Not a call center. You work with Julio directly, from application to closing.
Home and commercial
Purchase, refinance, cash-out, investment or commercial property — the loan is structured around your goal, not a script.
Whatever the goal,
there’s a loan for it.
From first-time homebuyers to seasoned investors, we offer flexible loan solutions tailored to your unique situation.
Explore Loan Programs
DSCR Loans
Qualify based on property cash flow.
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Bank Statement Loans
Qualify using business or personal bank statements.
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CPA P&L Loans
Qualify on a P&L from your tax professional.
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HELOC
Access the equity in your home.
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Home Equity Loans
A fixed second mortgage — keep your first.
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Jumbo Loans
Financing for higher-priced homes.
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Conventional
A flexible solution for purchases and refinancing.
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FHA Loans
Low down payment home financing.
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VA Loans
Home financing for those who have served.
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Commercial
Financing for your business and investment properties.
Learn More →Three steps. That’s it.
Apply online
Tell us the goal — a few minutes, no paperwork yet.
Get approved
Julio shops your file across lenders and programs to find the right fit.
Close with confidence
Clear numbers, no surprises, on schedule.
Get a real number, right now.
Adjust the details to see an estimated monthly payment. It’s a starting point — not a credit decision.
Julio Valdez,
Loan Officer
With more than 25 years in the mortgage industry and thousands of clients served, Julio knows financing doesn’t fit into one box. From conventional loans to bank statement, DSCR and commercial financing, he structures every loan around the borrower, not the other way around.
“I am truly committed to helping people
reach their dreams of homeownership.”
Real people.
Real results.
111 verified client reviews, every one of them five stars. Here’s what Julio’s clients have to say.
“Julio was fantastic to work with. He provided timely responses to all the queries and was very transparent, supported extremely well through the closure. I'm extremely happy and satisfied with Julio's services. Thanks.”
“Julio is very knowledgeable. His expertise is very evident during the entire process. He made the application process as simple as possible. He is always available to address all my inquiries.”
“Julio and his team took great care of us, from the beginning of the application process to closing. Outstanding customer service and I will be contacting him and his team in the future if we need any other products. Thank you.”
“Julio was great to work with; communication was excellent and the loan terms were just as he described with no surprises.”
“Julio was very helpful throughout the entire heloc process. The paperwork with any financial process can be stressful and difficult. But with Julio’s help, guidance and patience, it made it much easier.”
“Julio was so helpful in the process. Always available to answer questions. And he simplified the process and made it extremely stress free. 100% recommend him.”
“Julio V was wonderful to work with. He is professional, knowledgeable, efficient, and has a great upbeat personality! He got the job done without a hitch, and I highly recommend him.”
“Julio provided excellent communication and advice throughout the whole loan application process. Excellent customer service. Highly recommended.”
“Julio is a great guy, he worked us all the way , answered all our questions and provided valuable feedback. Thank you, Julio.”
“Julio and his staff very professional and completed all the process in a timely matter. Very pleased, thank you for all that you do for your clients.”
“I would highly recommend Julio Valdez to a friend because he was extremely helpful to me. He explained things to me to help me understand the process.”
“Julio made the process easy. Great communicater . overall excellent experience”
Let’s figure out
your next step.
Send a message and Julio reads it himself, or reach out directly.