Tony Valdez Mortgage Pro

09/24/2026

Two ways to access home equity — with very different structures. The right choice depends on your goals.

I can help you compare a HELOC and a cash-out refinance so you can understand the differences and decide which approach may fit your situation.

https://myoc.io/ValdezLendingTeam

09/24/2026

Refinancing your mortgage isn't just about getting a lower interest rate.

A refinance might help lower your monthly payment, remove mortgage insurance, move from an adjustable rate to a fixed rate, shorten your loan term, consolidate higher-interest debt, or access some of your home's equity.

But a lower payment by itself doesn't tell you whether refinancing makes sense.

You also want to look at closing costs, how long it takes to break even, the new loan balance, the new loan term, and what the loan could cost you over time.

Sometimes refinancing makes sense. Sometimes keeping the mortgage you already have is the better move.

Message me PLAN with your current rate, balance, payment, and what you're trying to accomplish, and I'll help you compare the numbers.

Tony Valdez
Valdez Mortgage Pro
Mortgage Loan Officer
NMLS # 209511 | EPiQ Lending NMLS # 1936984

09/23/2026

If you're a Veteran, active-duty service member, or certain surviving spouse, you may be eligible for one of the strongest home financing benefits available: a VA loan.

Depending on your eligibility and the loan requirements, VA financing may allow you to buy with no down payment. VA loans also generally do not require monthly mortgage insurance, which can make a meaningful difference in the payment.

And something many Veterans do not realize: your VA home loan benefit may potentially be used more than once.

Entitlement, funding fees, remaining eligibility, and loan assumptions can all affect how the benefit works, so it is worth looking at the full picture.

I'm an Army Veteran myself. If you've served and want to understand how your VA benefit may work for you, message me VA.

Tony Valdez
Valdez Mortgage Pro
Mortgage Loan Officer
NMLS # 209511 | EPiQ Lending NMLS # 1936984

09/22/2026

Real estate investors: what if the property itself could help you qualify for the financing?

That's the basic idea behind a DSCR loan. Instead of relying primarily on your personal income, DSCR financing looks at the rental property's income compared with its housing expenses.

That can be useful if you own multiple properties, have complicated tax returns, or don't fit traditional conventional underwriting.

DSCR loans are different from conventional financing. Down payment, reserves, interest rates, fees, and property requirements can all be different, so they're not the right fit for every investor.

But for the right rental property, they can provide another financing option.

Message me PLAN with the property address and expected rent, and I'll help you explore the financing options.

Tony Valdez
Valdez Mortgage Pro
Mortgage Loan Officer
NMLS # 209511 | EPiQ Lending NMLS # 1936984

09/21/2026

Not sure where to start with buying a home? Start by understanding your financing before you start touring houses.

We can review your income, assets, credit, estimated payment, and available loan options so you know what price range may fit your plan.

The goal is simple: shop with a clearer picture of what the numbers look like before you make an offer.

Ready to map it out? Let’s build your Clear Moving Plan.

https://myoc.io/ValdezLendingTeam

09/21/2026

If you're self-employed, your tax returns may not always reflect the full cash flow of your business.

That can make qualifying for a traditional mortgage more difficult, because conventional underwriting often relies heavily on taxable income.

But there may be another option: a bank statement loan.

Some programs can use eligible deposits from your personal or business bank statements to help determine qualifying income.

These loans are not right for everyone. Rates, down payment, and documentation can vary.

But if traditional financing doesn't work, that does not automatically mean you're out of options.

Message me PLAN and let's look at how your income is actually documented.

Tony Valdez
Valdez Mortgage Pro
Mortgage Loan Officer
NMLS # 209511 | EPiQ Lending NMLS # 1936984

09/18/2026

A $10,000 price cut and a $10,000 seller credit can produce very different results for a buyer.

Sometimes the smarter move is not lowering the price — it’s using available seller funds toward eligible closing costs or a rate buydown, depending on the loan and transaction.

Looking at a home and want the options side by side? Comment PAYMENT and I’ll help you compare the numbers.

Tony Valdez | NMLS #209511
EVO Home Loans, LLC dba EPiQ Lending | NMLS #1936984 | AZ MB #1008731 | Equal Housing Opportunity

09/17/2026

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09/17/2026

🚨 The Fed raised rates today. Did your mortgage rate just go up too?

Not automatically.

That’s one of the biggest misunderstandings around mortgage rates.

The Federal Reserve controls a short-term benchmark rate. Mortgage rates are driven by a different market and can move differently — sometimes even in the opposite direction on the same day.

That’s why I don’t want buyers making decisions based on a headline.

Your loan type, credit profile, down payment, property and current market pricing all matter.

Want to know what today’s market actually means for your buying power?

Message me RATE and I’ll run the scenario with you.

Tony Valdez | NMLS #209511
Valdez Mortgage Pro
Financing dreams one family at a time.

09/15/2026

New here? Start here. 👋
I’m Tony Valdez, an Arizona Mortgage Loan Officer with more than 24 years in mortgage lending and a U.S. Army Veteran.
I help first-time buyers, Veterans, move-up buyers, self-employed borrowers and investors understand the numbers before they make a decision.
That means looking at more than just the rate — we look at the payment, cash needed, loan structure and overall strategy.
My goal is simple: keep the process calm, clear and informed.
If you have a mortgage question, send me a message.
Financing dreams one family at a time.
Tony Valdez | NMLS #209511
EPiQ Lending See less