luis@lendingwithluis.com
208-724-7593
Luis Valadez
Buying a home or exploring a refinance? Connect with Luis to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Luis
My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.
You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.
What clients say about Luis
Luis was great to work with. He provided valuable information that helped us make the right financial decisions for our family. We look forward to working with him again.
Luis was absolutely amazing to work with throughout our home-buying journey! As first-time homebuyers, we had a lot of questions and there were definitely moments when the process felt overwhelming. Luis was always patient, responsive, knowledgeable, and willing to explain things to us so we understood what was happening. He went above and beyond to help us get into our first home and made us feel like he genuinely cared about our family and our goals. We are incredibly grateful for all of his hard work and would recommend Luis to anyone looking for a lender. Thank you, Luis, for helping make our dream of owning a home a reality
We really enjoyed working with Luis! He was quick to get back to us and we could feel free to reach out and ask questions any time. He was clear and concise with info and it was a great experience!
very kind people with a lot of work experience, and I would like to thanks Luis in particular, he is a good agent and he is ready to answer and help all the questions asked. Thank you very much.
Great experience!! Very helpful if I had any questions and quick to respond. Made my first time buying home hassle free and enjoyable.
Working with Luis was a pleasure. He is extremely knowledgeable and patient with all the questions we had. He went above and beyond to take excellent care of us. We truly appreciated Luis and his attention to detail in getting the job done! We would not hesitate to work with him again!! Thanks Luis!!!!!
On time. Communicated well. Personable. Did an amazing job.
I cannot recommend Luis & Karina enough! From start to finish they made what could have been a highly stressful process feel incredibly smooth willing to work after hours to answer questions and they were very productive, highly communicate and always took the time to explain every detail and option available to us. They had so much patience Their expertise kept everything on schedule. I highly recommend Luis we are very happy with all of his work.
Buena atención, muy amable. Eres un excelente agente.
Luis and his team provided the best assistance for our first home purchase. He was friendly, attentive and truly dedicated to our best options. We couldn't have chosen a better lender and team!
It was very prompt and smooth.
Luis was great to work with it was a smooth transition from 1 lender to working with Luis. Luis excelled at what he was doing to get us into the house we wanted
Let’s connect
Contact Luis
Share a little about your plans and how to reach you.
Office locations
Suite 1102
Twin Falls, ID 83301
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Luis today.
