Meet Joe Valencia
Loan Officer | NuVision Lending Based in Northern California
Hi, I’m Joe Valencia—a loan officer based in Northern California, with an office in Roseville and a home in the small town of Penryn. Since 2021, I’ve been helping homebuyers and real estate investors navigate the mortgage process with clarity and confidence.
Whether you’re buying your first home or adding to your investment portfolio, my goal is to make your real estate dreams a reality.
My Specialties
- First-Time Buyers – I love working with people new to the process and making it easy to understand from day one.
- Real Estate Investors – Especially those exploring short-term rentals or multi-unit properties.
- Creative Financing Solutions – From bank statement loans to low down payment options, I’ll help you find the best fit.
As an active real estate investor myself, I understand the power of property ownership as a wealth-building tool. I bring this hands-on insight into every conversation, offering practical advice that’s easy to follow and backed by experience.
A track record you can trust
In 2022, I was recognized as a Top 1% Loan Officer in California.
A reflection of the dedication, transparency, and support I offer every client.
Clients often tell me they feel more informed, more prepared, and more confident after working together.
That’s exactly the experience I aim to provide.
Outside the Office
When I’m not working, I’m usually with my wife and our three daughters—traveling, coaching sports, or working on projects at our home in Penryn. Family is at the heart of everything I do, and I bring that same commitment to every loan I handle.