Find the loan to fit your life
Select from hundreds of loan products tailored to your needs
Spencer Valerio
Loan Officer NMLS# 305514
1224 S. River Rd., Suite A102, St George, UT 84790
About Me
My journey as a mortgage lender started in 1998. I am a reliable resource for my customers and business partners alike. I am committed to offering mortgage solutions that align with my customers' needs and long-term goals. I take great pleasure in helping families achieve the dream of homeownership and find joy in serving them.
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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.
Conventional
A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
FHA
If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
VA
If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
Testimonials
Spencer was great in working with an especially challenging situation. Got us across the finish line! Thanks Spencer!
Spencer took care of all the moving parts on a tight deadline. He always answered the phone and made the whole experience painless!
Easy to work with. Very responsive.
Spencer and his team were great to work with. They were available any time I had a question. Very prompt responses and very pleasant while speaking with him. Will definitely be recommending him.
Awesome to work with and really delivered!!
Spencer was great!
NMLS ID #305514
I am authorized to do business in the states of Arizona, California, Montana, New Mexico and Nevada. AZ BK#0018883; AZ BKBR# 1009405; AZ LO Lic.# 1050756; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; Branch NMLS ID 1438642; NV Mortgage Company #1141;