Let Us Make You a Homeowner Today!
Rick Valdez, Loan Officer, NMLS105548, Mortgage Express, LLC has served the Arizona, California, Washington, Idaho, and Oregon areas for over 18 years. With a deserved reputation for communication, transparency, and availability, Rick can help you get approved for mortgages, jumbo loans, and more.
Call Rick Valdez today to get started on your homeowning journey with
home mortgage loans Beaverton, OR recommends! Rick's help will make financing your home a quick and easy process. He can secure pre-approvals on the same day, get loans approved within two days, and can close on your home in 30 days or fewer.
Now is the perfect time to apply for a mortgage loan. We are excited to work with you through your home-buying process and will be there every step of the way! We pride ourselves in providing home mortgage loans Beaverton, OR residents can trust and rely on. With our experience and expertise, we make financing your home an incredibly easy and simple process.
If you are looking to take out a loan for a new home, give Rick Valdez a call today. We'll have you set up and ready in no time, guaranteeing your satisfaction. We look forward to hearing from you!
Down Payment Assistance Programs
Upfront costs can be a major hurdle for many homebuyers. Our down payment assistance programs are designed to make homeownership more accessible by reducing the amount you need to save before buying. We guide clients through state and federal programs, grants, and local incentives, helping families find financial options that can ease the initial burden.
Adjustable Rate Mortgages
Adjustable-rate mortgages offer lower initial interest rates compared to fixed loans, which can make early payments more affordable. These loans adjust over time, which may benefit buyers who anticipate moving or refinancing before the rate changes. Our team helps you understand the timing, risks, and potential benefits so you can decide if an adjustable-rate mortgage fits your financial plan.
Fixed Rate Mortgages
For those seeking stability and predictability, fixed-rate mortgages provide consistent monthly payments over the life of the loan. This makes budgeting easier and offers peace of mind for long-term homeowners. Our specialists will work with you to compare terms and rates, ensuring your fixed-rate mortgage aligns with your financial goals and lifestyle.
In-Park Mobile Home Lending
Mobile home buyers often face unique challenges, from park regulations to financing requirements. Our in-park mobile home lending services are tailored to these situations, offering flexibility and expertise. Whether you’re purchasing a new unit or refinancing an existing one, we guide you through every step, making the process straightforward and stress-free.
Conforming Loans
Conforming loans are a popular choice for many homebuyers due to their predictable terms and competitive rates. These loans meet standards set by Fannie Mae and Freddie Mac, making them accessible for a wide range of buyers. We help clients understand eligibility requirements, benefits, and how these loans can fit seamlessly into their financial strategy.
Non-Conforming Loans
For buyers looking at higher-value properties, non-conforming loans provide options that exceed standard loan limits. These loans offer the flexibility to purchase premium homes without conforming restrictions. Our team works with clients to review qualifications, rates, and terms, making it possible to finance properties that may otherwise be out of reach.
Government Loans
Government-backed loans such as FHA, VA, and USDA loans offer additional pathways for first-time buyers or those who meet specific criteria. These programs can provide lower down payments, flexible credit requirements, and competitive rates. Our team guides clients through the qualification process, helping make homeownership a reality for more families in Beaverton and surrounding areas.
MEET TEAM VALDEZ
Our staff combines years of experience with a genuine commitment to helping clients achieve their homeownership dreams with home mortgage loans in Beaverton, OR and beyond. We pride ourselves on transparent communication, responsiveness, and a deep understanding of mortgage products. When you work with our team, you gain more than a loan—you gain a reliable partner for your financial journey.
Our loan specialists focus on matching clients with the right mortgage solution. Each expert brings in-depth knowledge of conventional, jumbo, government, and specialized loans, helping clients make informed choices. Their guidance ensures you understand rates, terms, and programs so you can select the financing that best fits your needs.
Working with us, we always find a way to make it work for you!
Here's what our satisfied customers are saying...
Why Choose Rick Valdez for Home Mortgage Loans in Beaverton, OR or the Nearby Areas?
Rick has been helping homeowners in Arizona, California, Washington, Idaho, and Oregon since 2007!
Choosing the right mortgage partner can make a significant difference in your homebuying experience. Our company combines nearly two decades of experience with a commitment to personalized service, helping clients find financing solutions that truly fit their needs. As the leading choice for home mortgage loans in Beaverton, OR, we take the time to understand your goals, review multiple loan options, and guide you through every step of the process, from application to closing.
Down payment assistance programs
Jumbo loans
ITIN and DACA recipient financing
All emails responded to within 24 hours
FREE refinancing quotes within 24 hours
FREE homebuying consultations
FREE homebuying consultations
Helping families since 2007
Spanish-speaking available
Top 100 Latino mortgage loan originator recipient
Beyond our expertise, we pride ourselves on transparency, responsiveness, and dedication to client satisfaction. Our team is always available to answer questions, provide updates, and address concerns, ensuring you feel supported and informed throughout your mortgage journey. With a track record of helping families secure home mortgage loans in Beaverton, OR and the surrounding areas, we stand out as a reliable choice in the community.
How quickly can I get pre-approved?
We offer same-day pre-approvals for most clients. Once you provide the necessary documentation, our team reviews your information quickly and provides a pre-approval letter that strengthens your position with sellers. This fast turnaround helps you act decisively in a competitive market.
Can I qualify for down payment assistance?
Eligibility depends on income, property type, and first-time buyer status, among other factors. Our team evaluates your situation to determine which programs you may qualify for and walks you through the application process, helping reduce your upfront costs and make homeownership more achievable.
What types of properties can I finance with your loans?
We finance a variety of property types, including single-family homes, townhouses, condos, and mobile homes. Certain programs may also allow for multi-unit properties or investment properties, depending on the loan type. Our experts help you understand which loans best fit your property goals, including home mortgage loans Beaverton, OR residents rely on.
Can I refinance my existing mortgage with your company?
Yes, we offer refinancing options to help you adjust your loan terms, lower your monthly payments, or access equity in your home. Our team reviews your current mortgage and financial goals to recommend the best refinancing solution. Whether you’re looking to switch from an adjustable rate to a fixed rate or shorten your loan term, we make the process straightforward and stress-free.
Frequently Asked Questions
Buying a home comes with plenty of questions, and we understand that each client’s situation is unique. Whether you’re curious about pre-approval timelines, down payment assistance, or financing options for different property types, this section helps you make informed decisions with confidence.
Get Your Pre-Approval First Before You Start The Home Buying Process
Rick Valdez
Buying a Home, Why Not Get a SECOND LOOK?
Rick Valdez
Do's & Dont's When You're Buying a Home
Rick Valdez
All opinions expressed by Loan Officer are that of the Loan Officer's and do not reflect the opinions of Mortgage Express, LLC. This is true for parties that are not affiliated with Mortgage Express.
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