Mortgage made
simple with
Joe Valencia

Your trusted guide for home financing, first-time buying, and real estate investment.

How I Help Homebuyers

This section highlights my focus on helping clients with home purchases—whether you're buying your first home, upgrading, or investing. I also assist with refinancing, which you can learn more about by reaching out directly.

First-Time Buyers Clear, supportive guidance from start to keys-in-hand.

Move-Up Buyers Selling your current home and buying another? I can help coordinate both sides smoothly.

Real Estate Investors Flexible solutions for rental properties, flips, or long-term strategy.

Custom Loan Solutions Bank statement loans, DSCR programs, and other outside-the-box options.

Hi, I’m Joe—Northern California-based loan officer, investor, and guide through the home financing process. Whether you’re buying your first home, upgrading, investing, or refinancing, I’m here to simplify the process and deliver a plan that fits your life.

How it works

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