Headshot of Valerie Warren

Valerie Warren

Sr. Loan Officer

FMZ Team

NMLS #1097050

959 South Coast Drive, Suite 490
Costa Mesa, CA 92626
Contact Methods
tel Phone
(510) 804-8396
mobile Mobile
(818) 652-6347
fax Fax


About Valerie

I've worked in the real estate industry for more than 20 years and have a comprehensive understanding of the mortgage process. If you’re a first-time homebuyer, rest assured that I will walk you through each step and resolve any questions you may have. If this is not your first mortgage, we will discuss some of the newer products I have to offer and rediscover how staple programs like conventional, jumbo, FHA, VA, renovation, investment, and refinance have evolved over time.

I believe communication is essential to meet your financial needs. To establish a long-standing relationship with you, I listen to your goals and priorities. Then, from pre-approval to closing and beyond, I will make sure you always know what’s happening with your mortgage.

Throughout my years of experience, I’ve become a specialist in complex lending. Whether you are buying, refinancing, or renovating, I am ready to give you the outstanding home loan experience you deserve.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (510) 804-8396