Certified by Rick Valdez, Loan Officer, NMLS #105548 • Jul 05, 2026
Mortgage LenderMortgage Broker
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, our mortgage broker 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 mortgage loans approved within two days, and can close on your home in 30 days or fewer. We are excited to work with you through your home-buying process and will be there every step of the way!
Location
Certified by Rick Valdez, Loan Officer, NMLS #105548 • Jul 05, 2026
Certified by Rick Valdez, Loan Officer, NMLS #105548 • Jul 05, 2026
Monday8:00 AM - 5:00 PM
Tuesday8:00 AM - 5:00 PM
Wednesday8:00 AM - 5:00 PM
Thursday8:00 AM - 5:00 PM
Friday8:00 AM - 5:00 PM
SaturdayClosed
SundayClosed
9/7/20268:00 AM - 5:00 PM
11/26/20268:00 AM - 5:00 PM
Products & Services
2 lists · 17 items
Explore offerings from Rick Valdez, Loan Officer, NMLS #105548 on 15115 Southwest Sequoia Parkway in Portland, with popular products and services available at this location.
Finding a home and securing financing for it can be complex and even overwhelming. It's crucial to find reliable mortgage companies in Beaverton, OR or the surrounding areas that are well-versed in the volatile housing market and financial landscape, and can effortlessly guide you through the process.
Adjustable-rate mortgages provide a different approach, offering lower initial interest rates that adjust periodically over time. ARMs can be advantageous for borrowers who expect income growth, plan to move within a few years, or want to take advantage of short-term savings. Understanding the mechanics of mortgage rate adjustments is key to determining whether an ARM fits your financial strategy.
A fixed-rate mortgage offers stability and predictability, giving homeowners a set monthly payment for the entire term of their home mortgage loans. This consistency can make long-term financial planning simpler and helps families budget without worrying about fluctuating interest rates
Rick Valdez, Loan Officer, NMLS #105548 - S
14 items
services
Refinancing
In Park Mobile Home Loans
DSCR Loans
Investor Business Purpose Loans
Home Equity Line of Credit
ITIN Loans
Jumbo Loans
DACA Recipients
The Second Look Program
Home Purchase
Down Payment Assistance
Conventional Conforming Loans
Fixed Rate Mortgage
Government Loans
Reviews
5.0
93 reviews
5 stars
93
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Dora Azevedo
May 21, 2026
5.0
Ricky should get 10 stars! He’s flexible, upfront and ready to answer questions that come up! He helped us buy our house 6 years ago and we just did a HELOC with him. And he’s held our hands every step of the way!!!
JF
jasmine farfan
May 14, 2026
5.0
Such an amazing experience working with Rick and his team , very efficient & talked us through every step of the way!
SR
Sydney Ramon
May 8, 2026
5.0
Wonderful to work with. Communicates great, and on top of everything. Answers all question that have been asked. Highly recommend!
BD
Brian Duhrkoop
Apr 23, 2026
5.0
I was the listing agent and Rick was the lender for the buyer. His communication throughout was impeccable. He set clear expectations from the very beginning and I got regular email updates on how far along the buyers were in the timeline at every benchmark. His service is top notch and I strongly recommend Him for future buyers looking for a trustworthy and exceptional lender.
AK
Anthony K
Apr 22, 2026
5.0
This was the third time using Rick for our mortgage and couldn’t be happier. As with any home financing, it gets complicated real quick. Rick and his wonderful team worked overtime to make sure we met the deadlines and stayed on track. I always recommend Rick to friends and family.
Frequently Asked Questions About Rick Valdez, Loan Officer, NMLS #105548
Do I need to put 20% down to buy a home?
No, a 20% down payment isn't always necessary. Various loan options are available with minimum down payments of 0%, 3%, or 5%, depending on your qualifications. Some programs even offer down payment assistance. These options have made homeownership more accessible, particularly for younger generations. In fact, the National Association of Realtors reports that as of 2022, millennials comprise 43% of homebuyers, the largest share of any generation. For more information about down payment options, please contact our mortgage lenders.
What is the difference between a pre-qualification and a pre-approval?
A pre-qualification is an initial estimate of what you might be able to afford, based on unverified information such as estimated credit score, income, and debts. It gives you a general idea of your potential borrowing capacity and suitable loan programs. In contrast, a pre-approval is a more thorough process. It involves a comprehensive review of your credit scores, income documentation (like paystubs or tax returns), and assets. We may also verify your employment to confirm income information and job history. This process officially confirms the amount you're eligible to borrow.
How do I know how much I can afford?
After completing your pre-approval process, we will provide you with an estimated payment and price range for your home search. You can consider properties up to the amount for which you're pre-approved, keeping in mind your comfort level with the projected monthly payments. For more detailed information about the pre-approval process and determining your affordability, please reach out to our mortgage lenders.
Can I get a mortgage if I am an ITIN or DACA recipient?
Yes, individuals with an ITIN (Individual Taxpayer Identification Number) can indeed qualify for home purchase and refinance loans. Similarly, DACA (Deferred Action for Childhood Arrivals) recipients are eligible for most loan types, provided they have an EAD (Employment Authorization Document) card with C33 status and a valid government-issued social security number.
I have lots of student loans. Can I still buy a house?
Yes, having student loans doesn't automatically disqualify you from homeownership. Qualified borrowers with current student loans, deferred loans, or those on payment plans can still be eligible to purchase a home through various mortgage lenders.
I have filed for bankruptcy. Can I still buy a house?
Yes, filing for bankruptcy doesn't permanently prevent you from buying a house. The waiting period varies depending on the loan program and type of bankruptcy. For some programs, you may be eligible as soon as one year after a Chapter 13 bankruptcy. Government loan programs typically require a two-year wait, while other loan programs may require up to four years. For more specific information about home loans and bankruptcy, please contact our team.
What is the minimum credit score needed?
The minimum credit score requirement varies depending on the loan program. Some programs may accept applicants with no credit score, while others might require a score as low as 580. Our mortgage lenders can help determine which program best suits your situation based on your individual credit profile and other eligibility factors.
Does switching jobs hurt my ability to buy a home?
Changing jobs doesn't necessarily hinder your ability to buy a home. Generally, it's not problematic if there are no significant gaps in employment and the change resulted in increased pay, was due to a life event, or improved working conditions. The key requirement is that all borrowers must have at least two years of work history. Recent college graduates may be able to use their college transcripts in place of job history.
What is debt ratio?
The debt ratio is a financial metric used in mortgage lending. It's calculated by dividing all your credit obligations, including any unreported government obligations like taxes, child support, or alimony, by your income. This ratio is a crucial factor in determining how much you can qualify for and afford in terms of a home loan.
What are closing costs?
Closing costs are additional fees you pay at the time of purchase, separate from your down payment. These costs typically range from 2% to 4% of the property's sale price. They cover various expenses such as third-party fees, prepaid interest, home insurance, property taxes, appraisals, inspections, flood insurance, and loan fees. For a more detailed breakdown of closing costs, we recommend contacting our mortgage lenders.
What types of mortgage services does Rick Valdez provide?
Rick Valdez provides mortgages, home loans, refinancing, home equity lines of credit, ITIN loans, jumbo loans, and services for DACA recipients.
Which states does Rick Valdez serve for mortgage services?
Rick Valdez serves Oregon, California, Washington, Arizona, and Idaho.
What are Rick Valdez's regular office hours?
The office is open Monday to Friday from 8:00 AM to 5:00 PM. Evenings and weekends are available by appointment only.
Where is Rick Valdez's office located?
The office is located at 15115 Southwest Sequoia Parkway, Suite 100, Portland, OR 97224, USA.
How can I contact Rick Valdez?
You can contact Rick Valdez by phone at +1 503-406-2186, by alternate phone at +1 503-621-2634, or by email at rvaldez@mtgxps.com.
Does Rick Valdez offer services in Spanish?
Yes, assistance is available in Spanish in addition to English.
What associations is Rick Valdez affiliated with?
Rick Valdez is affiliated with NNA Licensed Notary for Oregon, Latino Real Estate Professional Network, and University of Phoenix Financial Services Alumni.
Are there other financial service providers near Rick Valdez's office?
Yes, nearby financial service providers include Mortgage Express, LLC., Language Line Services, Willamette Wealth Management, Pittman & Brooks, and Paramount Residential Mortgage Group - PRMG Inc.
What nearby businesses might be helpful when visiting Rick Valdez's office for mortgage services?
You might visit Culshaw and Company (accountants), AlpineCFO (accounting/bookkeeping), or Portland Residential Team (mortgage lender) for complementary services.
Are there any nearby amenities or services for visitors around Rick Valdez's office?
Nearby amenities include Office Depot Print & Copy for printing needs, PetroCard Pacific Pride gas station, and Spectrum Advanced Aesthetics Institute for beauty services.
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