Your Trusted Mortgage Loan Partner, Rick Valdez
Arizona, California, Washington, Idaho, Oregon
Beaverton, OR and Hillsboro, OR
Let Us Get You Into the Home of Your Dreams
Finding a home and securing financing for it can be complex and even overwhelming. It's crucial to have a reliable partner who is well-versed in the volatile housing market and financial landscape, and can effortlessly guide you through the process.
Rick Valdez: Expert Mortgage Loan Officer
Meet Rick Valdez, Loan Officer, NMLS105548 at Mortgage Express, LLC. With a 17-year track record of success, Rick has consistently helped Portland, OR residents secure mortgages, financing, lines of credit, and more. For those in need of reputable mortgage companies in Beaverton, OR, don't hesitate to get in touch with Rick Valdez.
Comprehensive Loan Programs Tailored to Your Needs
We offer diverse lending options via In-House and Wholesale Channels, ensuring you'll find the perfect solution that aligns with your individual needs.
Fixed Rate Mortgage
- Benefit from a consistent interest rate throughout the loan term.
Adjustable Rate Mortgage (ARM)
- ARM adjusts your interest rate periodically, based on a predetermined index.
- Lower monthly payments at the start of the loan term make it an attractive option for short-term home ownership (less than 5 years).
Conventional | Conforming Loans
- Suitable for loan amounts at or below $766,550 for a Single Family Residence.
- Approval factors include credit, assets, and income.
Jumbo | Non-Conforming Loans
- Ideal for loans exceeding $647,200 for a Single Family Residence.
- Stricter requirements for credit, assets, and income.
- Larger down payments may be needed.
Government Loans
Explore various loan programs, classified as Government Loans:
FHA
- Less strict credit requirements and a lower Down Payment requirement of only 3.5%.
- Appropriate for First Time Home Buyers and seasoned Home Owners.
- Suitable for loan amounts at or below $498,257 for Single Family Residence.
VA
- Specifically designed for Veterans, allowing them to use their benefits when purchasing or refinancing homes.
- Useful for interest rate reduction and cash-out purposes.
USDA Rural Development
- Find out if your home qualifies for the USDA RD program.
- Opportunity for ZERO DOWN on some purchase transactions and up to 102% of the home's value on refinance transactions.
2 0 3 ( k )
- Helps finance unfinished new construction or renovation projects.
- Crucial for all Realtors, Builders, and clients, especially during housing recovery.
Additional Loan Options
ITIN
- Stricter requirements for credit, assets, and income.
- Larger down payments may be needed.
DACA
- Same requirements as a traditional government loan.
- Additional requirement is valid work permit "EAD Card."
Down Payment Assistance Programs
- EMPOWERED DPA - Down payment FHA loan grants, no- repayment required
- CHENOA Fund
- AFR, BFF, PRMG, WetGen options
- CALFHA- DPA covers down payment and closing costs for California residents
*DPA programs available to qualified borrowers meeting programs, credit and income requirements. Set up an appointment today to see which program you may qualify for.
Ready to find the perfect mortgage loan solution? Contact Rick Valdez for expert guidance through your home buying journey.
Results expressed in the testimonial are true and shared with borrower permission!
Business Hours
- Mon - Fri
- -
- Sat - Sun
- Closed
Evenings and Weekends by Appointment Only
Assistance Available in Spanish
NMLS COMPANY ID: 40831 | EQUAL HOUSING LENDER
Not a commitment to lock or lend. Terms and restrictions apply. Not all applicants will qualify. Mortgage Express, LLC. NMLS Company ID: 40831 Mortgage Express Privacy policy | Licensed in OR/WA/AZ/CA/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act. Mortgage Express is an Equal Housing Lender. Questions and concerns may be directed to customerservice@mtgxps.com, or 10260 SW Greenburg Road, Ste. 830, Portland, OR 97223 https://nmlsconsumeraccess.org/.
Share On: