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Jorge Valencia, (NMLS ID 1789306)

Jorge Valencia

Senior Loan Advisor

NMLS ID: 1789306

I am committed to providing you with the highest quality home lending experience.

Apply Now Contact me

410 Peachtree Parkway, Bldg 400, Suite 4245

Cumming, GA 30041

About Jorge Valencia

Whether you're transitioning to Washington or buying your first home in Atlanta, I have financed homes throughout the United States from the beaches of Florida to the wine country of California. Throughout my career, my team and I have provided home loans to over 250,000 families. We have earned a 98% customer satisfaction rating, which puts us in the category of best in class (as defined by Gallup Corporation). Whether it's a luxury second home or a home for a first-time homebuyer, I dedicate myself to finding the best solution for our clients.  

 

I look to make a significant, positive difference for those I serve. My mission is to surround myself with the most exceptional people in the real estate finance industry and to serve my community with excellence. As a result of my focus in having the right support team in place, they are the best in providing a seamless homebuying or home refinance experience. My sales teams has an accomplished history of industry recognition.  

  

My professional experience includes:

- On a national basis, I managed the mortgage unit of Berkshire Hathaway HomeServices.

- I managed the National Sales Force for the US Unit of BNP Paribas.

- I served as a Division Manager for US Bank.

 

I have dedicated my time to helping those less fortunate find affordable housing. I am a lifelong volunteer for Habitat for Humanity.  I co-founded the Wells Fargo Housing Foundation and served as its president. I have served on the Residential Production Committee of the Mortgage Bankers Association of America. 

 

I received my B.A. in Psychology and M.B.A. in Finance from the University of Notre Dame. Go Irish! 

 

Gallup Strengths:  Strategic, Responsibility, Individualization, Futuristic, Relator, Belief

 

Pillars of Service:

My work is my Vocation  --  Trust  --  Integrity  --  Fairness  --  Pursuit of Excellence

 

***HABLO ESPANOL***

Mortgage Specialization

  • Condominium Financing
  • Construction Loans
  • First-Time Home Buyer Programs
  • Investment Property Loans
  • Jumbo Loans
  • Professional Loans

Professional Affiliations

  • Lending in all 50 states and US Virgin Islands

Education

  • Masters of Business Administration, Finance and Human Resources, University of Notre Dame
  • Bachelor of Arts, Psychology University of Notre Dame

Languages Spoken

  • Spanish

Community Involvement

  • Board Member, Atlanta Habitat for Humanity
  • Chair, North Fulton Chapter, Georgia Hispanic Chamber
  • Membership Committee. Greater Atlanta Homebuilders Association

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

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STEP 1

Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for your loan.

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

STEP 4

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5

Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

Complete a loan application online, and submit the necessary financial documents.

STEP 2

Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator

My Products of Specialization

Let's work together to find the right financing solutions for you, built around your unique needs.

Looking to build your dream house or make substantial improvements to your current home? Start here.

Find a mortgage solution for your unique situation, including jumbo loans, higher-cost areas, or multiple properties.

Learn More About Mortgages

There's much more to purchasing or refinancing a home than an interest rate. View our blog and get home ownership tips and more.
Jorge Valencia, (NMLS ID 1789306)

Jorge Valencia

Senior Loan Advisor

NMLS ID: 1789306

I am committed to providing you with the highest quality home lending experience.

Apply Now Contact me

410 Peachtree Parkway, Bldg 400, Suite 4245

Cumming, GA 30041

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Today's Rate

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1Rate as of 4/12/2021 10:19 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,021. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 4/12/2021 10:19 AM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,580. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  4/12/2021 10:19 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $965. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Jorge Valencia, (NMLS ID 1789306)

Jorge Valencia

Senior Loan Advisor

NMLS ID: 1789306