Yale Valdez

VP of Mortgage Lending
506 W. Higgins, Park Ridge, IL 60068
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NMLS: 194161
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Yale Valdez is my loan officer. He went above and beyond in all aspect of this process. He was available to me for questions and help anytime any day. If I could give a rating of higher than 10 I would.

Keith K. | June 2018

Yale and his team were fantastic from start to finish. It took a little over a year from when we first started looking into buying a house to closing and Yale kept in touch throughout. Always checking in just to see how things were going and keep us up to date on what we needed to make things go as smoothly as possible. I would say by the end, he was more of a friend than just our mortgage guy. I would recommend Yale and his team to anyone that asks.

Eric D. | July 2018

Yale was so easy to work with and explained every step of the way what was needed as each step came up. He always called to follow up!!! and answered his phone, usually you do not get that response. He is very knowledgeable

Damiano M. - May | 2018

Yale made our cash out refinance a pleasure. He always answer his phone and had answers to our questions before we even asked. Appointment were on time. Yale is on point and I will recommend him and Guaranteed Rate.

David B.

Yale and his team were great to work with! Every step of the loan process was presented in a very organized and understandable manner

Krystle M. | May, 2018

If we ever move again, we plan on going with Yale and GR again.

Kyle S. - May | 2018

Professionalism was just a combination of all of the above. Guided us through the process as a for-sale-by-owner, helped when the appraisal was lower than the offer, and was available at anytime through the day

Kyle S. - May | 2018

Yale, Vickey and Lilliana made an extremely tedious process feel like a breeze. I was traveling out of the country and not only did they handle everything as it came, they never made us feel like our travels were a hinderance to the process (when it must've been!). I would absolutely use Yale again and would recommend him to close friends and family. Thank you for your thoroughness and patience, Yale. I felt like we were in great hands from beginning to end.

Marisa C. | 12/09/2016

We loved Yale Valdez.

Gerard V. | 11/18/2016

Yale and his team were great. Initially I wasn't sure if I was ready to make a purchase. It turns out I was. The entire process was very smooth and painless. Yale and his team were professional the entire time. It all happened so fast. It seemed like I was calling him one minute to simply inquire about the possibility of getting pre-qualified & Next thing you know he was sitting beside me at the closing table! I absolutely would not only refer him, but I also look forward to working with Yale...

Christian C. | 11/10/2016

Yale Valdez and his team were exceptional! I felt i was in great hands and they eased all my worries and concerns. They answered all my questions and the entire process was super smooth. I only wished I had started the process of refinancing much sooner. I would recommend family and friends to Yale Valdez/Guaranteed Rate.

Jamin O. | 11/09/2016

Yale is absolutely the best! Thanks for being so diligent and detailed with me to get everything pushed through.

Trisha P. | 11/07/2016

I just wanted to thank you for making my refinancing so easy. The process was quick and you made it very smooth and convenient. You even arranged to meet me for the closing at a location next to my work. I appreciate all your thoughtfulness and professionalism in this matter. You explained the process clearly and in a way that I (a teacher) could understand. I will definitely recommend you to friends considering applying for a mortgage or a refinance. Thanks again.

Pam D. | 10/24/2013

Yale was very professional and honest regarding my refi. I appreciated his patience and thorough manner throughout the process. I would and have recommended him to my friends.

Pamela D. | 10/05/2016

Yale was fantastic at every point. He made things seamless and transparent.

Bryan A. | 09/16/2016

Yale kept me in the loop during the entire process. Answered all of my questions throughout the refinance process. I'm glad I used Guaranteed Rate. Your competitive rates and online processing made this very simple for me. I work long days and that does not leave much time for myself. The online processing was something I could do early in the morning before my day started, on the weekend or when I finally found time to sit down to do bills and read my email. Thank you, Yale and Guaranteed...

Robert M. | 09/07/2016

Third loan with Yale. He always makes himself available and does a great job.

Jason V. | 08/31/2016

We've worked with Yale and Guaranteed Rate on several loans and we've always been very impressed by his responsiveness and honesty. We trust Guaranteed Rate.

Robert C. | 07/18/2016

The loan officer was fantastic. He gave us a list of documents needed for the loan and helped through the process. Since the house was in a land trust we needed extra paper work from Chicago Title and Trust so he worked with our Attorney to get the necessary documents and went to Chicago Title and Trust and took care of land trust rider. I felt he did a great job and made the loan process almost painless.

Luis P. | 06/15/2016

Yale was my loan officer and his team was more than helpful during my loan experience. I did not just rate all high scores for the "sake" of it. Nothing was confusing, I didn't get hit with any curveballs, every number we discussed was exactly what ended up on paper. This allowed me to properly digest and be comfortable with all numbers from day 1. Thanks again so much!

Chad H. | 06/14/2016

I think our loan situation was probably almost as complicated as it gets with all of the moving parts we had going on. Yale and team did an absolutely outstanding job in getting us through this. I actually think he was as thrilled as we were at the closing. Thank you Yale and team for doing a great job throughout the entire process!

Michael W. | 06/01/2016

Always easily available.

Ronald G. | 05/27/2016

Excellent service.

Jose M. | 05/13/2016

It was pleasure working with Yale and his team. Would definitely work with them again. Yale is very helpful and accessible and always willing to answer questions. Great to work with.

Brian S. | 4/15/2016

Yale and his team were excellent. They were very responsive and took care of things. Would encourage anyone to use them.

Clayton R. | 03/18/2016

I was very pleased refinancing through GR, Yale Valdez was especially helpful and considerate!!!

Freddy R. | 03/08/2016

Yale Valdez is so helpful and is there for any questions 24-7

Bruce J. – Chicago, IL | AUG 2015

"Yale Valdez went above and beyond to make sure that the loan process is as smooth as possible."

Catalin A. -- Park Ridge, IL -- 7/2015

"Yale Valdez was a pleasure to work with!"

Rehanullah M. -- Park Ridge, IL -- 7/2015

"Yale was great to work with. First time buying a home and he really was a guiding hand."

Josue P -- Park Ridge, IL -- 7/2015

"The team at Guaranteed Rate is top notch, we will definitely recommend them to everyone we know that is looking for a loan. The team in Park Ridge, IL is AWESOME. GREAT JOB!! My family loves our new home."

Lindsey O. -- Park Ridge, IL -- 6/2015

"Yale and his team in the office are very efficient and knowledgeable with the process and makes sure he has everything he needs to submit the application so there is nothing to hold up the process. He is very professional and he works around the clock to make sure things get taken care of. He was in constant contact with my husband, myself, the realtor and the attorney. Yale goes over and above..very impressed!"

Vincent V. -- Park Ridge, IL -- 6/2015

"The process was smooth and we received the best service and rate!"

Kevin G. -- Park Ridge, IL -- 6/2015

"Yale Valdez and his team are amazing! They made this dream come true for us with no complications! They are all wonderful! Thank you so much!"

Simon H. -- Park Ridge, IL -- 6/2015

"Yale Valdez and his team were very knowledgeable and patient and made me feel like I was there only customer even though they have many."

Rebecca C. -- Park Ridge, IL -- 6/2015

"Yale Valdez and his team truly went above and beyond to answer every question, call, text and email! They always were there for me during this process I never felt in the dark."

Michelle W. -- Park Ridge, IL -- 6/2015

"Yale Valdez made this a very smooth process he was very patient and knowledgeable . We would recommend him and his team to our family and friends."

Sean P. -- Park Ridge, IL -- 6/2015

"Yale Valdez and his team were very professional and patient with us. We were very lucky to have such an experienced group of people to work with."

Daniel C. -- Park Ridge, IL -- 6/2015

"Yale Valdez and his team made sure our application was complete and they worked very hard to make sure we did not have any unexpected road blocks by throughly going through our file and making sure clarification was handled up front."

Cindy L. -- Park Ridge, IL -- 6/2015

"I'm very happy with the service Yale Valdez provided. It was a pleasure working with him!!"

Julieta R. -- Park Ridge, IL -- 6/2015

"Yale was very detailed and sat down with me to go over the process. I am very new to this loan process, so he was very helpful."

Hirotaka Y. -- Park Ridge, IL -- 6/2015

"I was having a hard time trying to understand what needed to be done, but then Yale explained it to me in detail until I understood fully. He was willing to understand my situation and willing to walk me through it. I will keep him in mind and will suggest to my friends if they are looking for the service."

Dave R. -- Park Ridge, IL -- 6/2015

"I'd recommend Yale Valdez to anyone! Very professional and on top of his game."

Timothy O. -- Park Ridge, IL -- 4/2015

"Yale was great! Because of him, we loved working with Guaranteed Rate."

Bob H. -- Park Ridge, IL -- 4/2015

"The Guaranteed Rate professionals were very efficient and proactive to get our mortgage package in place for expeditious approval."

Sarah T. -- Park Ridge, IL -- 4/2015

"I would use Guaranteed Rate again because of Yale Valdez and his professional and caring manner."

Rick S. -- Park Ridge, IL -- 4/2015

"Yale was great! He asked us for the materials we needed to submit early on, helped up lock in a low rate AND came to our home to personally walk us through paperwork. SUPER service!"

Lawrence V. -- Park Ridge, IL -- 3/2015

"Yale was great! He held my hand throughout the whole process. This is my first time as a homeowner; so it was overwhelming because I didn't know what I was doing, but Yale was great and even came out to my house to sign documents which I thought was a great personal touch and I appreciated his help throughout the process."

Kimberly C. -- Park Ridge, IL -- 3/2015

"Yale Valdez continues to provide very comprehensive and thoughtful services throughout the mortgage approval process."

Susan P. -- Park Ridge, IL -- 3/2015

"Yale was very reassuring and was always there to answer our questions and ease our worry. Very informative especially since we were first time home buyers."

Richard D. -- Park Ridge, IL -- 3/2015


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Yale interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business for 10 years. I was inspired to pursue a career in the mortgage industry because I, personally, have bought, sold and managed properties for the past 25 years. In doing this, I realized the benefits of becoming a home owner; therefore, I wanted to assist potential buyers in realizing their dream.
What advice would you give new or first time home buyers?
My advice to new or first time home buyers is to always get pre-approved before searching for a property to purchase. I prefer to educate the home buyer on all the various products and programs available to them based on their qualifications. My goal is to thoroughly prepare them as to what to expect throughout the home buying process.
What can borrowers do to insure a smooth mortgage underwriting process?
To insure a smooth mortgage underwriting process, the borrower must supply all required documentation at the beginning of the process. It is also important for the borrower to understand the Dos and Don\'ts of the mortgage transaction and to always keep the lines of communication open.
What provides you with the most satisfaction in your job as a Loan Officer?
As a Loan Officer, the most satisfaction in my job is assisting people in accomplishing their dream of homeownership.
Tell us something that makes you unique or something wacky, yet interesting about you?
My bilingual background and appearance seem to surprise people.

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