VOCE
    S
    LoginStart Creating
    M

    Michele Valencia

    @michelevalencia

    15+ Years of expertise

    Loan Consultant | NMLS # 946044

    Valencia Mortgage Co.

    Mortgage Loan Officer

    Palmdale, CA
    2Articles

    About Michele

    Helping people become homeowners with clarity, confidence, and care one loan at a time. With over 15 years in the mortgage industry and a passion for turning complex processes into smooth experiences, I’ve had the privilege of helping hundreds of families buy their first homes, upgrade their lifestyles, and invest in their futures. Currently ranked in the top 1% at Groves Capital, I bring a boutique, high-touch approach to lending that’s built on trust, responsiveness, and results. I believe

    Connect

    Valencia Mortgage Co.
    Loan Consultant | NMLS # 946044
    Location
    Palmdale, CA
    Website
    valenciamortgageco.com
    Member since
    July 2026

    Michele's Articles

    Michele Valencia

    Home Buying

    Michele Valencia

    Why choose valencia mortgage

    Jul 13, 2026·6 min read·60
    Home Buying
    Real Estate
    First-Time Homebuyer FAQs: 8 Essential Mortgage Answers

    Mortgage Loans

    First-Time Homebuyer FAQs: 8 Essential Mortgage Answers

    Uncover the truth about down payments, credit scores, and closing costs. Michele Valencia explains the 2026 mortgage requirements for first-time homebuyers.

    Jul 13, 2026·7 min read·40
    Mortgage Loans
    First-Time Buyer

    Showing 2 of 2 articles

    FOR CREATORS

    Want to Build Your Local Voices Profile?

    Join 63,212 professionals showcasing their expertise. Build trust, attract clients, and grow your business with a professional profile.

    Create Your Free ProfileWatch the Demo
    M

    Want to connect with Michele?

    Michele Valencia@michelevalenciaLoan Consultant | NMLS # 946044Valencia Mortgage Co.

    Ask, follow, or keep up with Michele's latest local expertise.

    Relevant Articles

    VantageScore 4.0 and Your Mortgage Credit
    Mountlake Terrace, WA

    VantageScore 4.0 and Your Mortgage Credit

    DDavid Haley·Sep 19, 2026
    The Equity Reset: Using Your Home to Escape Debt
    CA

    The Equity Reset: Using Your Home to Escape Debt

    JJas Sohal·Sep 9, 2026
    The 20% Down Payment Myth: Finding Your Best Number
    Carmel, IN

    The 20% Down Payment Myth: Finding Your Best Number

    JJon Knight·Sep 14, 2026
    Fannie Mae Eases Buy-Before-You-Sell Path
    Portland, OR

    Fannie Mae Eases Buy-Before-You-Sell Path

    SSteve Landis·Sep 12, 2026
    Buying a Home in Denver Right Now? Don't Let the Mortgage Rate Make the Decision for You
    Denver, CO

    Buying a Home in Denver Right Now? Don't Let the Mortgage Rate Make the Decision for You

    DDave Cook·Sep 8, 2026
    APPRAISAL CAME IN $25K LOW. NOW WHAT?
    Denver, CO

    APPRAISAL CAME IN $25K LOW. NOW WHAT?

    JJennifer Chicano·Sep 21, 2026
    Can You Buy a Home in Wyoming Without 20% Down?
    WY

    Can You Buy a Home in Wyoming Without 20% Down?

    KKim Woodworth·Sep 17, 2026
    Buy first, sell second!
    FL

    Buy first, sell second!

    SShea Sherman·Sep 17, 2026