Mortgage Loan Originator
Assistant Vice President (AVP)
401 West Valley Avenue
Homewood, AL 35209
NMLS Number – 1389055
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Thank you for your interest in BBVA. I have the expertise to help analyze your situation and find the mortgage that best suits your needs.
I'm Shonda Valencia, a Mortgage Loan Officer(MLO) in Birmingham, AL. I am a native of Collinston, LA. I have earned two Bachelor's degress from the University of Louisiana Monroe. My husband and I have lived in the Birmingham area since 2010. We have three children. I am dedicated to helping people find funding for their dream home or refinance their current home. If you are looking to purchase a home or refinance your existing mortgage, I will guide you through the process from prequalification to closing. Contact me today.
Areas of Focus:
- Purchase and Refinance Transactions
- Conforming and Jumbo Loan Amounts
- Fixed and Adjustable Rates Programs
- Investment / Rental Property and 2nd / Vacation Home Mortgages
- Condominium Financing available, including options for Non-Warrantable Condos
- Professional (Doctors, Lawyers, CPAs, Oral Surgeons, and Dentists) Products
- First Time Home Buyer (FTHB) Programs
- Government Products (FHA, VA and USDA, including FHA Streamline and VA IRRRL)
- Fannie Mae HomeReady and DU REFI Plus (HARP 2.0) Products
- Lot Loans for Raw Land
- Combo Loans (Split 1st Mortgage and Piggyback Home Equity Loan or Line of Credit)
- Borrower and Lender-Paid Mortgage Insurance (BPMI or LPMI) Options
- Some 100% financing options available
- Over 8 years experience in the mortage industry.
NMLS ID 402936