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Daniel Valencia

At Brighton Bank, we're all about helping our clients succeed. Whether you're looking to buy a home or refinance a loan, we work to empower you to accomplish your goals and dreams. With our digital solutions and transparent services, we're here to help you achieve the highest level of success possible. 

A Brighter Way To Home Loans 

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My name is Daniel Valencia

Born with a knack for numbers, Danny started his journey in finance during high school as a supermarket cashier. Following the advice of his elders to become an accountant, he attended and graduated from William Paterson University’s Cotsakos College of Business with a bachelor's degree in Accounting. During college, he completed an internship with Avis Budget Group and was eventually hired as a staff accountant at ABG where he worked for 5 years. Feeling that something was missing,

Danny began to search for a career where he could combine his love of finance with his passion for connecting with and helping people. That career found him in late 2012 when his wife began working as the admin for a small mortgage company.

Danny decided to begin the mortgage licensing process after hitting it off with the CEO Michael Sema at the company holiday party that year. As fate would have it, in early 2013 ABG was simultaneously going through consolidation and offered Danny two options: either keep his staff accountant role and relocate from New Jersey to Virginia Beach or part ways with the company and take a severance package. The news couldn't have come at a better time as Danny was already planning his exit and this just gave him the financial parachute and confidence to do so.

Danny has been a licensed Mortgage Banker since June 2013, a licensed Life Insurance Agent since 2014, and a licensed NJ Real Estate Agent since 2015. Branded by his peers as 'The Bearded Banker', he has been able to excel in the real estate industry by applying his knowledge in accounting, as well as his experience with owning, investing in, and flipping real estate, to help guide his clients not only through the delicate mortgage process but even beyond the initial transaction into the realms of personal finance, wealth creation, and wealth protection.

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We work tirelessly to provide the best possible service and support, and we are always here to help our clients achieve their goals.

Brighton Bank Home Loans

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Brighton Bank Loans 

Home Purchase Loans

At Brighton Bank, we understand that life gets busy. That's why we offer home purchase loans through an in-person, over-the-phone, or fully digital online application process-- whichever is most convenient for you.

  • Conventional

  • FHA Loans (min 3.5% down payment)

  • VA ($0 Down Payment)

  • USDA ($0 Down Payment)

Brighton Bank Loans

Home Refinance Loans

At Brighton Bank, we understand that your home is likely your most valuable asset. That's why we offer a variety of mortgage refinancing options to help you get the most out of your home equity.

Whether you're looking to lower your monthly payments, consolidate debt, or cash out some equity for home improvements or other expenses, we can help you find the right solution. We also offer specialized construction financing for those looking to build their dream home.

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