About Misty ShaferMisty has served the Utah mortgage market for the past 15 years. She has extensive experience working with first time homebuyers as well as seasoned investors. With home prices rising, it is often necessary to plan and strategize mortgage options with each buyer. Misty will take the time to go over all available options to meet the specific needs of each individual.
Ready to Move Forward?
Get pre-approved so you can progress quickly on your dream home. This is the route we recommend for serious home buyers.
Or, receive instant results on whether you credit pre-qualify. Done through a soft-pull on our basic application (doesn't affect credit score). Get credit pre-qualified in minutes
What Our Clients Are Saying . . .
“This company is amazing they got the job done. I was recommended to Misty at Valorem Equity , my new best friend, she got the job done, I was under a serious time frame to close on this house and the previous lender could not get it done so I called Misty, when I called Misty I was in panic mode, she said don’t worry I got this, Misty started the loan process while I was talking to her, and yes I had a couple of wrinkles in my credit, but no worries Misty got me an amazing interest rate on my loan I now live in the amazing home my wife and I wanted to buy, I just want to say sincerely to Misty and Robyn and the rest of Misty’s team at Valorem Equity thank you so much and my family thanks you.”
– Daniel Barton
“Misty was amazing to work with when my partner and I decided to buy a new home. She worked with and for us tirelessly to get the best rate possible. She spent time patiently explaining and clarifying details throughout the process, so we always felt taken care of. Buying a home is a huge and somewhat intimidating step, but we trusted Misty implicitly to look out for us during the process. Misty was there for us every step of the way, and her knowledge and years of experience in the business helped us get our dream home.”
– Melanie Nelson
“Misty made the entire process so simple and easy. She kept us notified of changes that happened. We were able to work at our pace with busy schedules and the entire process went smooth. I would highly recommend working with her for your financial needs.”
– Finn O’Malley
“I’ve worked with misty twice now and both times have been amazing. She is very professional and took the time to get the very best rate for me. I have recommended her to two of my friends now and will continue to do so. I just wish I could give her more than 5 stars!”
– Joseph Sanders
Why Valorem Equity
We shop for the best rates
We shop around for the best rates so you don’t need to. Plus we have access to many different loan products, including FHA, jumbo loans and others, giving you more options.
Save time with our 100% online, paperless application that lets you securely connect your bank statements, tax records & income documentation in minutes.
We understand that everyone is different and we cater to your preferred style. Whether you prefer in person meetings, phone calls, text, email or online meetings, we’ll make it happen.
Be in the Know
Know exactly where you are in the loan process. Receive timely updates and have a clear understanding if anything else is needed on your end to help the loan process flow smoothly and quickly.
A Team That You Can Rely On
At Valorem Equity, you’ll have your dedicated Loan Originator, but you’ll also be backed by a knowledgeable and driven team of people that truly cares and looks out for you.
Industry Leading Knowledge
We’re continuously learning and improving our processes and technology to make sure that everyone who interacts with Valorem Equity has a positive experience.
How long does it take to get a mortgage?
Our digital lending platform and streamlined processes can cut loan cycle times by as much as 40%. We do our best to make it a simpler, easier and a smoother experience for our customers.
Is getting pre-approved better than getting pre-qualified?
Yes. In today's market, pre-approval is the best route to go. However, if you're in the early stages and are curious on the general range of what you can afford, getting pre-qualified would be a great first step. But once you are serious about looking at homes, we'd recommend getting pre-approved.
What types of loans does Valorem Equity offer?
We offer conventional loans for purchase and refinance as well as jumbo loans for larger loan amounts. We also offer FHA, VA and USDA loans.
How do you determine my mortgage rate?
Unlike banks, we get to shop around for the best rate for our customers. We understand that in some cases saving a fraction of a percent on your interest rate can save you thousands of dollars over the life of your loan. By using innovative technology, we can better determine the best route for each of our client's unique needs.