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Michelle Valdez Profile Image

Michelle Valdez

Mortgage Loan Originator
NMLS#: 1646592

Phone: (831) 854-6100
Michelle@conceptmortgage.com

Hello, welcome to my page.

I have been in the business for 3.5 years and I love being a part of an industry where your clients become your friends. I also love the fact that you are helping people achieve one of the biggest goals through homeownership. To me, this is such a rewarding career path for those reasons alone. I look forward to working with you.

Our Loan Process

1: Pre-Approval

A loan pre-approval sets you up for a smooth home buying experience.

2: Shop

Start working with a real estate agent and viewing homes.

3: Loan Application

A few documents are needed to get a loan file through underwriting.

4: Loan Processing

Assemble all the necessary paperwork and details for the underwriter.

5: Underwriting

They closely evaluate all the documentation in the loan package.

6: Ste. Closing

Documents are drawn and sent to the title company for closing.

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