What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
We worked with Valerie on the loan for the home. Everything was handled very professionally and she was on top of all the complexities and made the process very smooth. I would strongly recommend using her services.
Khanna K., Seattle
Haven't bought a home in twenty years. Valerie first refinanced our (ten) principle residence to use as down payment for new home out of state. Valerie was very professional and expeditious. Most of all, her patience with us while the seller kept trying to change closing date, was greatly appreciated. My real estate agent who has been in the business decades, commented to me several times how she wished other mortgage agents were as efficient to work with.
Rita D., Mesa
I've worked with several different lenders to buy, sell and refinance homes since 1982. Without a doubt, Valerie Baldock is the best lender we've worked with during that time. My wife and I started working with Valerie in 2009 to refinance two homes and purchase another. Our last purchase was on a very short timeline with some unique financing requirements. Valerie was always available (even several after hours calls and emails) and provided us with some excellent suggestions for meeting the financing needs. We would recommend Valerie to anyone and won't use anyone else for our next transaction.
Mark , Redmond
I worked with Valerie on a refinance mortgage. The loan closed on time as promised. Valerie & team are extremely efficient, responsive and friendly. This is a huge departure from my experience with larger banks... I recommend Valerie to anyone who wants get their refi quickly and reliably.
AJ M., Seattle
We just closed on a second home and Valerie was a huge help! She was always available to answer questions and thoroughly review the process. She is very detail oriented and provides updates often, so you always know where you are in the process and what the next step will be. I have already referred her to others in my family and will use her again in the future, should we move or refinance.
Valerie has been my mortgage broker for years and I would use her again in a second. She's helped me through at least four purchases and even took over for another lender when that lender was failing and I needed to make a late change. She has always gotten me a great rate and been exceedingly helpful. She's smart, give you all your options and will go to the ends of the earth to assure your happiness. I'd recommend Valerie to my family, friends and anyone who wants a great person to work with on the purchase of their property.
Steve K., Seattle
Valerie was great to work with as I refinanced my home mortgage. She is super responsive, friendly, kept me apprised of progress and what I needed to do next. I will definitely use Valerie for my next home loan.
Maureen J., Mercer Island
I was very satisfied with my dealings with Valerie--she was so helpful, courteous, patient and efficient throughout the loan process. I would confidently recommend her to anyone in need of financial service.
Cozza Family, Carmichael
We were looking to refi and needed to do it in a certain time frame. Valerie and her team got it done in record time and made it very easy for us. I would highly recommend her!
Jessica J., Snoqualmie
Valerie joined loanDepot in 2018, bringing over 25 years of valuable experience. She joined the mortgage business after graduating from Western Washington University, where she obtained a BA in Communications and Business. Due to her continued dedication throughout her career, she received eight Five Star Professional Awards. She is thrilled to be a part of the loanDepot family, and share her knowledge with clients and colleagues.
In her work, Valerie really enjoys being able to help those who did not believe it was possible for them to own a home. She loves relating to her clients, and guiding them to find the most suitable loan type to meet their financial objectives. Making the loan process smooth and effortless is what she strives to achieve with every borrower.
Valerie is active in the Snoqualmie Valley Chamber of Commerce, and you can find her at the Bellevue branch. Please don’t hesitate to contact her for any of your home financing needs!
WA LIC# MLO-487413 | CA LIC# CA-DBO487413 | OR | FL LIC# LO60599 | AZ LIC# 1006150
Mortgage Education Videos
CameronHilton from Bothell , WA via Zillow
Valerie showed amazing attention to the detail, worked hard to find us a more competitive rate, and was responsive whenever we had questions. She demonstrated initiative and follow-through during each step of the home buying process.
lkkappen from Mount Dora , FL via Zillow
As a business owner we presented an income verification problem. Valerie got us our dream home in Florida. I know it was not easy. Very tough actually. We even got a preferred interest rate, waived appraisal. The works! We cannot thank her enough.
andrea usevitch from Bothell , WA via Zillow
Valerie was extremely helpful for us first-time home buyers. We talked with other lenders, and Valerie was always the one who was most responsive to our communications, and checked in on us often. We had a kind of interesting situation with COVID and the lack of jumbo loans available with our down payment, and she was very creative and worked with us to find something that would work. Valerie checked in on us as we were searching, and did a great job explaining everything to us. When we put in offers on homes she would call the brokers and was always really involved. Definitely recommend her!
sushicw from Bellevue , WA via Zillow
Valerie was patient, effective at explaining everything, and constantly helpful in moving through a complex home-buying process. She did a fantastic job at making sure everything went smoothly!
Lisa C from Bellevue , WA via Zillow
I thought Valerie was amazing to work with on our re-fi - smart, thorough, patient and willing to answer lots of questions and walk me through details. We ended up with a great rate and saving a few hundred dollars a month - was very impressed and pleased with the entire process and will use Valerie again next time we need a mortgage or re-fi and would highly recommend her.
zuser201510301207136 from Duvall , WA via Zillow
We have used Valerie for a home purchase and refinance and we really love working with her. She is so great at explaining things. She is prompt and always makes herself available. She was able to talk and answer questions during evenings and weekends. I can’t imagine a better lender.
Michael Scholl from Bellevue , WA via Zillow
We found Valerie after having a very negative experience with another lender in the area. This put us in a terrible position as we were already keen on purchasing a specific home on the Eastside. Valerie responded to our loan application request after hours and within 60 minutes. From there the process was transparent and she put on a master class in providing continuous updates and check-ins. There was never a moment that we couldn't reach Valerie or the LoanDepot team. Our mortgage was a high balance mortgage (5% down) and even with little money down, she was able to provide us a very competitive rate without having to pay points. I will say that LoanDepot is by far the most aggressive and fair lender as it relates to high balance mortgages. At least that is my experience. LoanDepot hustled and closed our loan in less than 21 days - really. Valerie is a professional and will work hard to secure you the loan at fair terms and LoanDepot will work to close that loan within 30 days. There are many loan officers who are here today and gone tomorrow. Valerie is not one of those loan officers. She's been doing this for a long time and our experience highlights her professionalism and willingness to roll up her sleeves to help guide you through the process in a very efficient and timely manner. We will use her again and we recommend her to every friend and neighbor that asks us for a mortgage loan officer suggestion. Be like our friends and neighbors and give Valerie a call - today.
bradmick from Lake Stevens , WA via Zillow
Valerie is great! She has been our mortgage broker for 20 years. She is quick to follow up, knowledgeable, & patient with our constant flow of questions.
user7084935 from Seattle , WA via Zillow
Shwe was hard working, attentive and readily available. Process was easy including portal for uploading, reviewing and signing documents. Timeliness was essential and achieved.
orincurtis from Wilbur , WA via Zillow
Valerie is amazing i had not so good credit and a low down payment but she still worked with me and pushed through getting me my house. Thank you for all you have done for me!! I will definitely refer you to everyone i know and hear wanting to buy a house!!
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