Clicky

Julio Valdez

Loan Officer HomeStreet Southern California Affinity Lending NMLS: 240258

With over 22 years in the mortgage business, I have seen many changes in the industry. Today, more than ever, brings additional challenges in obtaining a mortgage for purchases and refinancing. When considering a lender, it is important to choose one based on reputation, experience and the company they represent.

My business has been built on establishing lasting relationships based on trust, unparalleled customer service, value and convenience. This knowledge and experience allows me to counsel my clients to build and conserve wealth when buying and owning a home.

I am truly committed to helping people reach their dreams of homeownership and derive great satisfaction from making each transaction go smoothly. With refinance transaction I will guide into the right direction with maximizing the use of your investment. With my knowledge and expertise, I look forward to providing the direction and information needed to help with all your home financing needs
Apr 16, 2024
Senior Project Manager
Mr. Julio Valdez was very helpful and efficient in asking questions and concerns about my loan. Mr. Valdez made such a present to follow up and finish what needed to be done on time. Mr. Valdez and Subrine Salas, were very professional and responded to my calls right away. I definitely recommend their services.

Thank you.
Apr 16, 2024
Julio was very helpful throughout the entire heloc process. The paperwork with any financial process can be stressful and difficult. But with Julio’s help, guidance and patience, it made it much easier.
Apr 16, 2024
Julio was so helpful in the process. Always available to answer questions. And he simplified the process and made it extremely stress free. 100% recommend him.
Apr 9, 2024
I am writing to wholeheartedly recommend the exceptional services provided by Julio Valdez for anyone seeking financial assistance or guidance. In my experience working with him, I have been consistently impressed by his professionalism, expertise, and dedication to helping clients achieve their financial goals. Mr. Valdez possesses a profound understanding of financial matters and demonstrates an unparalleled ability to navigate complex financial landscapes. He excels in assessing individual needs and crafting customized financial solutions that are both practical and effective. Whether it's securing a loan, refinancing, or providing financial advice, he consistently delivers outstanding results. Furthermore, Mr. Valdez is known for his exceptional communication skills and genuine concern for clients' well-being. He takes the time to listen attentively to clients' concerns, patiently explaining various options and guiding them through the decision-making process with clarity and transparency. In summary, I have full confidence in Julio's abilities and would highly recommend him to anyone in need of financial services. He is an invaluable asset to any individual or organization seeking expert financial guidance.
Apr 9, 2024
Julio was kind, respectful and very responsive. He made the process easy.
Very professional.
Feb 20, 2024
Julio was nothing less amazing. He helped with every single question I had through the process and even worked around my busy schedule to make sure the process went well and got done. He made himself available more so than expected. Thanks to Toros at Home Street for recommending me to Julio for our loan.

Many Thanks,

Heros
Jan 5, 2024
Julio communicates frequently and always returns my calls and texts timely. He’s also knowledgeable
Oct 17, 2023
I would highly recommend Julio Valdez to a friend because he was extremely helpful to me. He explained things to me to help me understand the process.
Oct 12, 2023
Julio Valdez made our loan process run as smoothly as possible. Whatever turned up that required special attention, at every turn, Julio was on top of it before I knew what was happening. At each point, his attention to detail, knowledge all of the nuances in loans, financing, led to "problem solved."
Thanks, so much, Julio.
Sep 14, 2023
Julio has been very professional from the start of my inquiry about HELOC till I close my application. He is knowledgeable and he made things easy for me with my busy schedule. He did not pressure me rather help me decide the best option for my situation. You can count on him and he always get back to you on a timely manner.
Sep 11, 2023
Julio provided excellent customer service and guidance throughout the process. Julio will streamline every step and get you to closing. Julio is honest and discrete. Julio also periodically reviews every customer file for future cost savings opportunities. Strongly recommend using him for all needs.
Aug 14, 2023
Julio is extremely knowledgeable, quick to respond to my questions, and got the job done quickly. There were zero delays and zero surprises during escrow and we were able to close on our house as scheduled. Having heard horror stories with many lenders, I was pleasantly surprised with my experience. Even after closing on the loan, he’s been answering my calls and messages without fail. Thanks so much, Julio!
Jan 12, 2023
Health Information Management- Manager
Julio was very responsive, accurate and professional. Always received feedback right away, he is very knowledgeable in his field. I received Excellent customer service from him and his team, I highly recommend Julio for any need.
Dec 28, 2022
Julio once again has proven to be so much more than a Loan Officer. I have worked with him my personal loans for over 10 years, and I can say with complete honestly that his expertise is only surpassed by him dedication to providing knowledgeable market information to help me determine the best product. This time it was a HELOC with HomeStreet Bank. Communication with HS was outstanding.

Again, thank you Julio for helping me once again! You are as good as it gets!
Dec 28, 2022
RN Nursing supervisor
We recently applied for a HELOC. Julio made the process easy, and smooth.

It was wonderful to work with Julio, I will most certainly suggest him and Homestreet bank to family and friends.
Dec 9, 2022
Julio did a terrific job processing my application and explaining each step of the way. Thanks again
Nov 21, 2022
Julio did an amazing job. Although he had plenty of applications and a lot of work, he still managed to keep me updated on my HELOC. The process was nice and smooth. Julio communicated well through out the entire process. Great customer service and highly recommended
Nov 21, 2022
Mr. Julio Valdez is the most helpful and honest agent I have ever come across. I wish I had followed his advice last year. But he came up with another solution that met my requirements. I am very thankful to him for his prompt ,continuous and excellent service till I signed the document. Notary service was very good and showed up at my door at the time ( late night) I asked for. Thank you and Good luck Mr. Julio.
Oct 13, 2022
RN
Excellent loan officer
Sep 22, 2022
SALES
It was a pleasure working with Julio , Were looking forward to working with him in the future . He was helpful , reliable , professional and will recommend him &his team in a heart beat !! We are happy & pleased with his service .
Sep 8, 2022
Building Inspector II
Would like to express our appreciation to Julio Valdez for helping our family with the home loan process with Home Street Bank. At times it was a challenge to complete the loan process because of new ways of banking, however Julio was patient and professional in helping us out. Also he was great in answering any questions or concerns we had during this process. Wish him the best!
Jun 16, 2022
Julio Valdez, not only meet the expectations but exceeded them, always very professional from the beginning and to the end of the process (property refinance)
and his assistant Keithleen as well, excellent team. my family are very happy and definitely I would recommend Julio for any financial services you may need..
great job....
Jun 2, 2022
Working with Julio and his team was a pleasure. He answered all my questions and was quick to reply. He was very helpful and made sure I understood the process. I was able to close soon thanks to his guidance. I would definitely recommend Julio to anyone.
May 9, 2022
VP
This is the 2nd or possibly 3rd deal we have done with Julio Valdez. I have nothing but GREAT things to say about him. He has always been very professional. He always answers his phone with any questions you may have, and he is a straight up honest gentleman. I give 6 out of 5 stars!
Thank You Julio for your great service once again.
May 6, 2022
Julio was very responsive to my questions, inquiries and needs. His assistant Keithleen is also very helpful and promptly communicates updates. I would have given them a 5 star if not for the super slow processing of our loan. It took about 6-8 weeks to process from start to finish. Hope Homestreet bank can improve on this process.
Show More

My Associations