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Emily Valencia

Birmingham, AL

Emily Valencia

Loan Officer | NMLS #: 2861410

M 205-353-4567 O 205-396-2634 [email protected]

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Real Reviews from Real Homebuyers

David

Altoona, AL

"Eric is great yo work with will use him for all of my transactions in the future"

for Loan Officer

Eric Kelly
Minnie

"So quick, efficient and responsive! A real pleasure to work with, thank you!!"

for Loan Officer

Lindsey Ravenhorst
Madison Bree

Mulga, AL

"David was very friendly and helpfu! He helped us get the best desk deal we could on our mortgage!"

for Loan Officer

David Markle
Joshua Lyn

Attalla, AL

"Joel was extremely helpful answering g my questions and making sure I understood and was aware of the process."

for Loan Officer

Joel Holmes
Cory

Birmingham, AL

"Great communication and follow-up"

for Loan Officer

Rutherford Yeates
Katarina

"Jennifer and her team were amazing! She helped my first time home buyers find the best interest rate and loan product available!"

for Loan Officer

Savannah Funderburg
Neal D

Dothan, AL

"Eric and Alex were"

for Loan Officer

Eric Kelly
Diane

Ellijay, GA

"Ms Ravenhorst was a pleasure to work with. Anytime I called or texted, she was available."

for Loan Officer

Lindsey Ravenhorst
Laura Leigh

Trussville, AL

"David was easy to work with, quick to respond, and kept me informed throughout the process."

for Loan Officer

David Markle
John Blake

Calera, AL

"Good communication and all questions answered"

for Loan Officer

Joel Holmes
Frank Roscoe

Helena, AL

"I enjoyed working with Rutherford and his team. Very knowledgeable and prompt!"

for Loan Officer

Rutherford Yeates
Praphulla

"We worked with Rutherford yeates.It was very good experience for me. They are very helpful."

for Loan Officer

Savannah Funderburg
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Crunch The Numbers!
Estimate Your Payment

Get an idea of what your monthly payment may look like. For a full estimate, call me, your mortgage expert!

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$
years
$
%
$
%

Your LTV is less than 80%, so you will not need to pay PMI.

$
$
$

$3,500

Monthly Payment

Real APR

0

Monthly Taxes

208

Monthly HOA

0

Monthly Insurance

50

Monthly PMI

0

Monthly Principal and Interest

0

Calculators provide estimates only. Estimates shown should not be considered exact payments. Contact your local loan officer for precise and personalized information. See full legal disclosures.

Legal Disclosures

The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.

Here’s a payment example based on an average home price and the most common loan type:

Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%

One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.

1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.

Resources

Downloadable Guides

We’ve created these guides to be a valuable resource to walk you step-by-step through your next adventure.

About Emily

Emily Valencia is a Loan Officer at the Birmingham, Alabama Branch of Assurance Financial. She is licensed through the National Mortgage Licensing System and Registry in Alabama.

Whether a new home purchase, refinance of an existing loan, or construction of a new home, Emily is able to help homebuyers in any stage of life achieve their dreams of homeownership.

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My Services
  • New Home Purchase Loans
  • Refinance Loans
  • FHA and Rural Development Loans
  • Veteran (VA) Loans
  • Construction and Renovation Loans

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Send Emily a message

500 Office Park Drive
Suite 410
Birmingham, AL 35223

(205) 353-4567

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Free Realtor Tools

My Realtor partners get free access to marketing tools such as single property websites, open house flyers, database management software, and more! Email me to get started.

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Realtor Resources

Downloadable Guide for Realtors

This helpful mortgage guide is a great resource for our partners. Check it out!

Mortgage Term Glossary

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Our Loan Process

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Mortgage Calculators

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By submitting this form, you agree to receive marketing text messages from Assurance Financial at the number provided. Message and data rates may apply. Message frequency varies. Reply STOP to unsubscribe or HELP for assistance. For more details, please review our Privacy Policy and Terms & Conditions at AssuranceMortgage.com/privacy-policy