Ronnie Valdez, Sr. Mortgage Consultant NMLS# 184407, First Bank

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Plano, TX
Ronnie Valdez, Sr. Mortgage Consultant NMLS# 184407, First Bank

Financing for: Home Purchase, Investment Property, Refinance, Construction, Conventional & More. Ronnie Valdez NMLS # 184407, First Bank NMLS # 583439

If you're looking for a financial institution and mortgage lender to provide the personal attention you need and deserve, you've come to the right place. At First Bank we refuse to reduce our customers to a mere account number in a sea of red tape. The result is a professional partnership where you talk, we listen, and together we tailor financial solutions that fit your mortgage needs. Whether yo

u're buying a home or refinancing, at First Bank, we believe we have the formula for success. That's why First Bank has been named one of the top performing banks in the nation by both the American Bankers Association and the Independent Community Bankers of America. Call Ronnie Valdez today at 214-284-4734 for a NO OBLIGATION mortgage consultation. We look forward to working with you.

02/16/2026

This Presidents’ Day, we’re reminded that the American dream is built on opportunity and for many, that starts with homeownership. 🇺🇸

Whether you’re buying your first home or your next home, I’m here to help guide you every step of the way.

Happy Presidents’ Day!

02/14/2026

Helping clients fall in love with homeownership is my favorite part of the job. 💙

Grateful for the trust you place in me, today and every day. Happy Valentine’s Day!

02/13/2026

The Housing for the 21st Century Act (H.R. 6644) was just passed by the House in an overwhelming bipartisan 390–9 vote. That’s rare – and it’s a big deal.

The bill aims to:
*Build more homes.
*Make the process faster.
*Help improve affordability.

More supply = more options for buyers. More options help stabilize pricing over time. This is a strong step toward addressing the nation’s housing shortage.

The legislation now heads to the Senate for the next step. Follow along for updates and DM me if you have any questions!

02/06/2026

Don’t miss your because you’re waiting to sell. First Bank’s Bridge Loan provides fast, flexible financing that bridges the gap so you can buy with confidence and sell on your timeline. If you’re curious whether this option could work for you, let’s talk. 📲

01/16/2026

Many homeowners don’t realize how much equity they’ve built over the years. According to property data analyst Cotality, the average homeowner now has about $302K in equity.

I love helping homeowners understand how that built-in value can be used to fund renovations, plan their next move, or work toward bigger financial goals.

If you’re curious what your home equity could look like, I’m always happy to run the numbers.

12/18/2025

You don’t have to wait for 2026. The new loan limits are officially live!

The 2026 conventional conforming loan limit is now $832,750, a $26,250 increase from 2025.

That means more purchasing power and more flexibility for qualified buyers. If you’re thinking about buying or refinancing, this could open new doors. Message me to learn more.

--All loans subject to credit approval

12/17/2025

As your life and financial goals evolve, your mortgage should align with them.

A refinance can help realign your mortgage with where you are now. From lowering your rate to tapping into your home’s equity, refinancing can be a powerful tool when the timing is right.

Reach out to explore your options. All loans are subject to credit approval.

10/28/2025

All eyes are on the Fed this week as a potential rate cut looms but will that actually move mortgage rates? Spoiler: it’s not as direct as you might think.

Our latest blog breaks down how Fed decisions really impact mortgage rates. Read more here: https://firstbankhomeloans.com/do-fed-rate-cuts-really-affect-mortgage-rates/

10/10/2025

The new law signed on July 4, 2025 makes the mortgage insurance (MI) tax deduction permanent. Starting in 2026, homeowners can deduct eligible MI premiums—helping middle-class families save big on taxes while keeping costs lower.

Here’s what that means for you:
✅ Permanent savings — no more yearly renewals or uncertainty
✅ Real tax relief — average deductions have been $1,400–$2,300+ in past years
✅ More affordable homeownership — especially for first-time and middle-class buyers
✅ Covers more loan types — PMI, FHA MIP, VA funding fees, USDA guarantee fees

For informational purposes only. Not tax advice. Please consult a tax professional.

07/01/2025

Curious about what’s next for interest rates?

According to CME Group data as of June 30, 2025, the first Fed rate cut is most likely coming in September. While these projections shift with the market, it’s a helpful snapshot of where things may be headed.

If you have any questions, don't hesitate to reach out!

Explore the latest rate cut odds here:
https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html

05/26/2025

This Memorial Day, we remember the fallen and stand with those still standing. 🇺🇸♥️

From VA Loans to our HAVEN program for disabled veterans and Gold Star Families, we’re proud to support our heroes with real paths to homeownership.

https://firstbankhomeloans.com/home-loan-programs-for-veterans-their-families/

Address

1400 Preston Road #290
Plano, TX
75093

Telephone

+12142844734

Website

http://firstbankhomeloans.com/

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