Todd Francis

NMLS# 1694885

About Todd Francis

Todd is well versed in the real estate markets and has lived in Park City, Utah since 1986. With intimate knowledge of the market and lending options, Todd will provide you with superior customer service and smoothly guide you through to your financing goals. Todd has a love for the outdoors and enjoys hiking, biking, golf and skiing.

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.

Get Pre-Approved

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 . . .

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  • “Todd, thank you so very much for all of your help in securing our loan for our new home at Park City Heights. You were organized & thorough & professional, as well as kind which made all the difference in our interactions. You were always prompt, professional, and courteous with every email or phone call we gave you. We loved how you kept the ball rolling and the process was completed in the time frame promised, even if the weather didn’t cooperate as well. There were absolutely no surprises at settlement, we trusted everything you told us and feel excited about our future in our new home. Thank you very much”

    – Corey & Anna F.

  • “Todd was a pleasure to work with in what can usually be such an overwhelming process. He was always very comforting, knowledgeable, and very helpful. He was very responsive and always made me feel like a priority. Buying a home is one of the most stressful and intimidating experiences, and Todd was able to help me navigate the process with no difficulty. He was transparent, and I always felt that he was my advocate.”

    – Lynsey Gammon


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.

Streamlined Application

Save time with our 100% online, paperless application that lets you securely connect your bank statements, tax records & income documentation in minutes.

Unparalleled Convenience

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.