Mortgages
In today’s financial environment your advisor simply cannot ignore what is probably your largest asset, and in many cases, your largest liability. Your Home…
That is why I secured my Mortgage Loan Originator License in 2016.
Since then, I have been able to offer my clients the most competitive rates and mortgage products in the Nation.
Here are examples of what we have done for our clients:
  • Decreasing their present mortgage rate significantly and saving them hundreds of dollars per month, thus thousands per year.
  • Converting their present 30-year mortgage to a 15-year mortgage, resulting in savings of tens of thousands, and is some cases hundreds of thousands, of dollars in savings.
  • Consolidating debts such as credit cards, auto loans and other installment loans to greatly increase their monthly positive cash flow.
  • We have assisted clients with the purchase of their new home.
  • And of course, for our 62-year-old borrowers and above, we have secured many reverse mortgages thus totally eliminating their present mortgage payment all together.
  • And of course, a reverse mortgage can be used to establish additional monthly cash flow.
This is why we offer services in the national mortgage arena with our partner, Mr. Michael Banner, President of Professional Mortgage Alliance, (see Mr. Banner’s bio. Click "bio".); we offer purchase mortgages, refinance mortgages and reverse mortgages. In particular today’s reverse mortgages have become an integral part of retirement planning.
 
As amazing as it seems the great majority of people end up securing their mortgage from a total stranger, rather than their most trusted advisor. Below is a brief description of each mortgage product available.
Purchase Mortgages
If you are interested in purchasing a new home nothing will give you “more purchasing power” then a pre-approval on your mortgage. We offer Fannie Mae and FHA Loans. We also offer “bank statement loans” for our self-employed clients who may not be able to verify all their income. And of course, we are very proud to offer V.A. loans to our Veterans.
Re-Finance Mortgages
With today’s rates still being most recent/competitive, many of our clients are refinancing for several different purposes: a lower rate, combining their existing first and second mortgages, paying off a credit line or paying off other debts such as auto loans, student loans and credit cards. Many times, this results in a substantial decrease in monthly debt service.
Purchase Mortgages
Reverse Mortgages
Not your grandparents’ reverse mortgage! Today’s restructured reverse mortgage offers protections for our clients and their heirs.  Most people are not aware of this nor properly informed.   Eliminating your monthly principal and interest payment can greatly increase your monthly disposal income. And in certain cases, depending on your equity, today’s reverse mortgage can also be used to eliminate both installment and revolving debt, resulting in a great increase to your monthly cash flow. And if your home currently has no mortgage, a reverse mortgage can be used to create a stream of tax-free monthly cash flow.  Finally, and VERY important. There are two very important benefits with today's reverse mortgages: (1) You don't lose your home if one or both of you die. (2) If, upon the death of the remaining spouse, the value of  the home is up-sidedown (like in 2008 when we had the real estate debacle), your beneficiaries are not liable for that difference. This means that the reverse mortgage is a Non-Recourse Mortgage!
​Joe Valenzuela

Mortgage Loan Originator
NMLS# 366589
​
(954) 680 4088
jvalenzuela@pmanow.com
28870 U.S. Hwy 19 North Suite 320
Clearwater, FL 33761

State Licenses: FL
Call our office: (954) 680-4088
Email: joevalenzuela@cprinvestmentsinc.com
Address:​ 13837 SW 43rd Street
Davie, FL 33330
Joe Valenzuela is an Investment Advisor Representative. Investment advisory services offered through CPR Investments Inc 1600 Parkdale Rd, Ste 201, Rochester, MI 48307 (800) 213-1164 CPR Investments Inc and Valenzuela Financial Management Group are separately owned and operated and do not offer legal or tax advice.

This material provided in this site is for information purposes only and should not be used or construed as an indicator of future performance, an offer to sell, or a solicitation of an offer to buy nor recommend any security, nor shall any security be offered or sold to any person, in any jurisdiction in which such an offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. A Registered Investment Adviser, or Registered Investment Advisor agent (“RIA agent”) may only transact in a particular state after licensure or satisfying qualification requirements of that state, or only if they are excluded or exempted from the state`s RIA agent requirements, as the case may be. Follow-up, individualized responses to consumers in a particular state by the , Registered Investment Adviser, or RIA agent that involve either the effecting or attempting to effect transactions in securities or the rendering of investment advice for compensation, as the case may be, shall not be made without first complying with the state`s Registered Investment Adviser, or RIA agent requirements, or pursuant to an applicable state exemption or exclusion. For information concerning the licensure status or disciplinary history of a Registered Investment Adviser, or RIA agent a consumer should contact his or her state securities law administrator.