Rick Valdez, Loan Officer, NMLS #105548

10/07/2026

🏡 Age 62 or older? Your home equity could open new possibilities.

A reverse mortgage may help eligible homeowners access equity, pay off debt, and create more breathing room in their monthly budget, all while remaining in the home they love.

Curious whether it could make sense for you or a parent? Let’s talk through the options.

📞 Call 503.621.2634 for a FREE reverse mortgage review.

*Borrowers must continue paying property taxes, homeowners insurance, applicable HOA dues, and maintaining the home as their primary residence. Interest and fees accrue, and the loan must be repaid when due. Subject to eligibility and loan terms. Equal Housing Opportunity.

10/02/2026

Thank you to all my referral partners and clients!

Congrats to our Top 10 Loan Officers for September! Thank you all for an incredible month, and always going above and beyond.

09/30/2026

Waiting for lower rates? Keep an eye on the opportunities available along the way. 🏡

When competition is lighter, buyers may have more room to negotiate—and motivated sellers may be willing to contribute toward closing costs or a temporary buydown.

A seller-funded temporary buydown can lower your monthly payment for the first 1–3 years, depending on the loan program.

The key is buying with a payment you can afford long term. Refinancing can be an option later if the numbers make sense.

Curious what that could look like for you? Send me a message. Let’s explore your options.

Who you work with matters.
Rick Valdez | Mortgage Advisor
NMLS #105548

Payments increase as the buydown ends. Program restrictions apply. Future rates and refinancing are not guaranteed; refinancing involves costs.

09/24/2026

Everything costs more right now—groceries, gas, credit cards—and for many families, every paycheck feels stretched.

If you’ve built equity in your home, it may be worth reviewing whether it could help you:

✅ Consolidate high-interest credit-card balances
✅ Simplify multiple monthly payments
✅ Create more room in your monthly budget

Using home equity isn’t the right move for everyone. I’ll help you compare the numbers, costs and long-term impact so you can make an informed decision—without pressure.

Send me a message if you’d like to review your options.

Who you work with matters.

Rick Valdez | NMLS #105548
📲 503.621.2634
🌐 www.rick-valdez.com

09/02/2026

This one had twists, turns, and more than a few moments when we had to buckle up—but we never stopped pushing forward for this buyer.

With the support of our senior leadership, management, operations team, and everyone working behind the scenes, we cleared this loan to close in just 10 days—one of the fastest closings of my career.

This is what can happen when experienced people come together, stay solutions-focused, and refuse to give up when challenges arise.

I’m incredibly grateful to everyone who stepped up and helped make this happen for our buyer in record time.

Who you work with matters. 💚🏡

08/19/2026

𝐋𝐨𝐨𝐤𝐢𝐧𝐠 𝐭𝐨 𝐛𝐮𝐲 𝐨𝐫 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐚 𝐡𝐨𝐦𝐞 𝐢𝐧 𝐎𝐫𝐞𝐠𝐨𝐧, 𝐖𝐚𝐬𝐡𝐢𝐧𝐠𝐭𝐨𝐧, 𝐈𝐝𝐚𝐡𝐨, 𝐂𝐚𝐥𝐢𝐟𝐨𝐫𝐧𝐢𝐚, 𝐀𝐫𝐢𝐳𝐨𝐧𝐚 𝐚𝐧𝐝 𝐧𝐨𝐰 𝐂𝐨𝐥𝐨𝐫𝐚𝐝𝐨?

I’m proudly helping homebuyers across all six states make their dreams a reality 🏡✨ Whether you’re a first-time buyer or planning your next move, I’ve got you covered from start to close ✅

Let’s talk options, strategy, and next steps 📊💬 Your homeownership journey starts with a conversation!

📞 Call or text me today: 503-621-2634
🌐 Visit: www.rick-valdez.com

📍 Proudly Serving:
Oregon 🐾 | Washington 🌲 | Idaho 🏞️ | California 🌴 | Arizona ☀️| Colorado⛰️

🔥 Who’s next?! Let’s make it happen!
📲 DM me to get started today!

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08/12/2026

Who you work with matters. 🏡

With nearly two decades in the mortgage industry, I’ve learned that every buyer’s situation is different—and sometimes getting to 𝐘𝐄𝐒 means knowing how to solve the complicated ones.

Experience. Options. Results.

But don’t take my word for it. 𝐀𝐬𝐤 𝐆𝐨𝐨𝐠𝐥𝐞. 𝐀𝐬𝐤 𝐂𝐡𝐚𝐭𝐆𝐏𝐓. Search for an experienced mortgage advisor and see what comes up. 😉

Whether you’re buying your first home, moving up, investing, or you’ve been told your situation is “too complicated,” I’m always happy to take a second look.

📲 503.621.2634
🌐 rick-valdez.com

Who you work with matters.

Rick Valdez | Loan Officer | NMLS #105548
Equal Housing Lender | Company ID: 40831

08/11/2026

⚠️ **Buying a home in September or October? Read this first.**

Many Oregon buyers are surprised when closing costs increase this time of year.

The reason is **Oregon’s annual property tax holdback.**

This isn’t an additional lender fee—it’s simply how property taxes are collected during the fall.

**Knowing this ahead of time helps you avoid surprises at closing.**

Have questions about your estimated closing costs?

📲 I’m always happy to help.

08/06/2026

💳 Feeling overwhelmed by high-interest credit card debt?

If you’re a homeowner, your home’s equity may provide options worth exploring.

Consolidating multiple high-interest payments into one mortgage payment could help simplify your finances, depending on your situation.

Every homeowner’s financial picture is different, so let’s review your options together.

📲 Reach out for a free, no-pressure mortgage review.

07/31/2026

What are you waiting for?