Lucrece Valentin
Mortgage Expert
Lucrece Valentin
Sr. Mortgage Loan Originator
NMLS #1532740
I'm a licensed Sr. Mortgage Loan Originator with RK Mortgage. With over 10 years of mortgage experience, I understand what matters most to my clients: clear communication, reliable guidance, competitive financing options, and a smooth, on-time closing.
Throughout my career, I have successfully handled a wide range of financing scenarios, from straightforward home purchases to more complex situations requiring creative solutions. I take the time to understand each client's goals, anticipate potential challenges, and guide them through every step of the mortgage process.
Mortgage solutions for real-life situations
Every financial situation is different. I'll help you find the loan program that fits yours.
Buying your first home?
Depending on eligibility, conventional programs may start at 3% down, with FHA and VA offering additional options to make homeownership more accessible.
W-2 income not enough?
If your W-2 income isn’t enough to qualify, alternative income documentation may help. I’ll help find a program that works with your income history and financial profile.
Self-employed?
Traditional income documentation isn’t the only option. Bank statement and other alternative income programs may help you qualify, with options starting at 10% down.
Lower credit score?
A lower score doesn’t close the door. Loan programs may offer options starting at a 580 credit score, and I’ll help find the option that works best with your overall financial profile.
Investing in real estate?
Qualify using the property’s rental income instead of your personal income. Flexible financing options can make investment property purchases easier. I’ll help find the right option for your investment goals.
Foreign buyer?
You may still qualify for a U.S. mortgage without U.S. citizenship or a green card. Foreign national loan programs offer financing options designed specifically for international buyers.
How we work — three simple steps
Free consultation
We'll review your situation, answer every question, and identify the loan program that fits your goals and budget — no obligation.
Pre-approval
We'll get you pre-approved so you know your budget, shop with confidence, and sellers take your offer seriously.
Start to close
We manage the file from application to closing, coordinating agents, attorneys, insurance, and every other party so closing day stays on schedule.
What our customers say
I feel that RK Mortgage was most helpful in refinancing my mortgage. I would recommend them to anyone that needs to finance or refinance. I especially want to commend Lucrece Valentin for her effort.
Lucrece was the best! Being self-employed made it difficult to get a mortgage but, with the bank statement mortgage the process was a lot easier. Lucrece was there for me every step of the way and even held my hand during several meltdowns. This company was such a pleasure to work with.
Lucrece was very friendly and professional, it was a pleasure working with her. She kept us up-to-date at all times and went out of her way to make sure we were taken care of. If you need help getting a loan, talk to Lucrece!
I was shopping for mortgages for a while until I found RK Mortgage. I worked with Lucrece and she was excellent. Helped us secure a mortgage very fast and she was available anytime we needed her. I highly recommend!!!
Book a free consultation
Don't wait until you've found the house. Even if your purchase is a year away, preparation starts now. I'll review your situation, give you specific recommendations, and help you get ready so that when you buy, you qualify for the strongest terms available.
Sr. Mortgage Loan Originator · NMLS #1532740