Select from hundreds of loan products tailored to your needs
Spencer Valerio
Loan Officer
NMLS# 305514
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
About me
The families I help describe working with me as smooth, organized, and stress-free. They say
our team is responsive, knowledgeable, and available. We have helped families like yours
tackle challenging situations while feeling supported from start to finish. Because everyone’s
situation is different, you can expect clear communication at every step.
I care about delivering results and I’m here to help you own a home.
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Let’s find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
Product Info
home equity insights
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Testimonials
Spencer may my experience as smooth as possible. He was ver knowledgeable and explained everything in detail so that I understood every detail.
Spencer is patient, great listener, and thorough with the work he did for us. Thank you for being patient on finding our next home. We had changed our mind on one property and Spencer understood. Thank you for your time and expertise. Blessings upon you and your family.
Spencer you made the transaction come to light. Thanks for making it bright.
Spencer made it happen!!
10/10
They did what no other lender could do. Got us approved a week earlier than what was expected, and was very accurate and answered all questions and concerns each week during the process. Definitely recommend.
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