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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Spencer Valerio

Spencer Valerio

Loan Officer

1224 S. River Rd., Suite A102, St George, UT 84790
Own what matters
Own what matters

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

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%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

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.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
4.99
4.93
George
May 20, 2024
Verified

Spencer is very knowledgeable and always aware of the best options for our clients to consider. Our clients appreciate that he is easy to reach, responds to questions promptly, and takes care of business! I always know our clients are in good hands with Spencer.
Robert
May 06, 2024
Verified

Spencer was great in working with an especially challenging situation. Got us across the finish line! Thanks Spencer!
Patricia
May 06, 2024
Verified

Spencer took care of all the moving parts on a tight deadline. He always answered the phone and made the whole experience painless!
Michael
May 06, 2024
Verified

Easy to work with. Very responsive.
Maria
Apr 29, 2024
Verified

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.
Regie
Apr 27, 2024
Verified

Awesome to work with and really delivered!!

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Awards

awards

Causes I'm
passionate about

causes
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;