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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Yale Valdez at Guaranteed Rate

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United States
Park Ridge, IL
Yale Valdez at Guaranteed Rate

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VP of Mortgage Lending at Guaranteed Rate. NMLS: 194161 Guaranteed Rate NMLS: 2611 http://www.nmlscon

11/02/2026

Whether you freelance, own a business or earn a paycheck from your 9-to-5, you don't have to fit into a box to qualify for a mortgage. We support all types of workers by offering a range of loan options for specific needs and income types. Ready to see all of your options?

https://www.rate.com/mortgage/resource/mortgages-in-the-gig-economy?LOID=3456

10/29/2026

Stop chasing updates. Rate Agents gives you real-time notifications on pre-approvals, documents and closing timelines. Create your profile today. https://www.rate.com/careers?LOID=3456

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

10/27/2026

That home you've been scrolling past could be the one. Renovation financing may help eligible buyers purchase a home and finance approved improvements with one loan - making it easier to create a space that feels like home.
Download the Rate app today to Dream it. Built it. Love it.

https://rate.smart.link/6bw8n7z2b?loan_officer_id=3456

10/25/2026

Spooky season is here, but your mortgage payment doesn't have to give you fright. With RateReduce, temporary and permanent buydown options could help lower your monthly mortgage payments. See how RateReduce works and explore which option could help make your next home feel more affordable

https://www.rate.com/mortgage/resource/ratereduce?LOID=3456

10/23/2026

Did you know that the average mortgage holder has approximately $212,000 in tappable equity? While every homeowner's financial situation is different, it may be worth looking into how much equity you have - and what you could do with it.
A Home Equity Line of Credit (HELOC) offers a great way to access your equity. Get in touch with our Loan Officers to see what works best for you and how your equity could help support what comes next.

https://www.rate.com/mortgage/resource/what-to-do-with-home-equity?LOID=3456

10/21/2026

If the location's right and the price fits your budget, a fixer-upper could mean a lower purchase price, more room to make the home your own and renovation possibilities you may not get with a turnkey property. But before you break out the toolbox, explore the pros and cons. Our Loan Officers can help you take a closer look at financing and see what options are available.

https://www.rate.com/mortgage/resource/buying-a-fixer-upper?LOID=3456

10/19/2026

You may be rich in home equity without even thinking about it. Home values rise and mortgage balances decrease, giving you the financial power you need to help reach your goals. Learn how to calculate your home equity - and how to use it without refinancing.

https://www.rate.com/mortgage/resource/am-i-rich-in-home-equity?LOID=3456

10/17/2026

The classic single-family home isn't your only option. There are condos, co-ops, multi-unit homes and more. Explore the different paths to homeownership and learn how the right financing can help you get there.

https://www.rate.com/mortgage/resource/financing-different-types-of-homes?LOID=3456

10/15/2026

You can now see student loan options for undergrads and graduates with Rate. I can help you quickly compare lenders, rates, terms, repayment details and more without impacting your credit score.
Let's connect to start the school year strong.

https://www.rate.com/loans/student-loans?LOID=3456

10/13/2026

Why wait? Our higher conforming loan limits are available ahead of the FHFA announcement, helping you maximize buying power sooner. Contact me to see what this could mean for your home search.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Address

506 W. Higgins
Park Ridge, IL
60068

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+17732505917

Website

https://www.Rate.com/yalevaldez?utm_source=facebook&utm_medium=organic&utm_campaign=yext&utm_content=3456&adtrk=%7Cseo%7

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