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Tony Valdez is a Professional Mortgage Consultant located in Phoenix, Arizona. As a mortgage loan officer, branch owner and manager with over 7 years experience, he has been involved with over 2000 mortgage loans and has gained the knowledge to help you find the best possible mortgage loan to buy or refinance real estate. Tony has an in-depth understanding of Conventional, FHA, FHA 203k Streamline, USDA 100% financing and VA mortgage loans. As a veteran, Tony believes in helping others and as a husband and father with 6 children he understand the importance of home ownership. Tony Valdez can help you. He currently serves Phoenix, Chandler, Gilbert, Glendale, Mesa, Peoria, Scottsdale, Tempe as well as Flagstaff, Tucson, Yuma, Bullhead, Kingman, Nogales and every city in between. 
Understanding the 2009 First Time Buyer Tax Credit
Click Here and access the Tax Credit Information Center Form.
Click Here and access the Mortgage Financing Information Center.
Click Here and access the Real Estate Agents Business Booster Information Center.
Click Here to receive a FREE subscription to "YOU" an online monthly magazine. Contributing authors include such experts as Tony Robbins, Ivan Misner, David allen,Kipinger's experts and much more. View sample HERE
Don’t Get Pre-Qualified Get Pre-Approved for a Mortgage Loan!
Getting pre-qualified for a mortgage helps give you an idea of how much you might qualify to borrow. But since you have not actually applied for a loan, and the lender only has your word on your credit, income, assets and liabilities, a home loan or mortgage amount is not guaranteed. With a pre-qualification, no information has been verified. If you receive a letter from the lender, it may only state that you are likely to be approved for a mortgage.
While it's helpful to be pre-qualified for a home loan, it doesn't always guarantee you'll be approved for a loan. Our pre-approved mortgage is based on your real credit score, and really puts real estate agents and home sellers at ease. At the same time, you're in control when making an offer to a seller. They'll know you're a serious buyer who's ready and able to make a deal.If you would like to learn more about the getting approved for a home loan, call us toll-free at (866) 311-0248 ext: 201.
APPLY TODAY you have nothing to lose and everything to gain.
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 Top News
Mid-Day Recap: Labor Reports Send Markets into Freefall - 2 days ago
The pace of losses in the labor market had been moderating for four months but in June nearly half a million jobs vanished from the economy, in contract to widespread expectations. The Bureau of Labor Statistics said 467,000 jobs were lost, pushing the unemployment rate to 9.5%, the highest in 26 years.?The heavy loss of jobs in June is a warning that the road to recovery will be bumpy, but doesn't yet indicate that we have gone off the track? . . . ...(read more)
The Day Ahead: Markets Hesitant Ahead of Employment Data - 2 days ago
Markets are edging lower ahead of the 8:30 release of Nonfarm Payrolls. A lot is hanging on this report as many forecasts for the economy are dependent on the direction of the labor market. Many look for signs of stabilization after last month?s downside surprise, but signs of a recovery have been far from evident in the weekly Jobless Claims numbers or the ADP private employment report. The consensus looks for 325,000 jobs to have vanished this month, with forecasts ranging between 225,000 and 435,00...(read more)
HARP Guidelines Allow for 125% LTV. Originators Still Skeptical - 3 days ago
The Home Affordable Refinance Program was designed to assist borrowers who have demonstrated an acceptable payment history on their existing Fannie Mae or Freddie Mac owned mortgage loan. Unfortunately due to rising unemployment levels and increasing foreclosure rates, demand for housing has weakened and property values have continued to decline, which has blocked many borrowers from utilizing HARP....(read more)
Mortgage Performance: Fighting Rising Rate of Foreclosures with Loan Modifications - 3 days ago
A joint report from the OCC and OTS, which includes 64% of all outstanding mortgages, shows that instances of delinquency continued to increase in the second quarter. Particularly of note is the increasing growth rate of delinquencies among loans backed...(read more)
Mixed Data for Real Estate, ISM Index Improves - 3 days ago
Three data releases at 10:00 failed to sing in tune with each other. A key indicator of output showed some improvement but is still contracting overall, and while contracts for home purchases are on the rise, spending on the construction of new homes it at historic lows....(read more) |
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