Brad Toft
Brad Toft
Director of Construction Lending | NMLS #114974
(208) 944-1502
Brad.Toft@TeamResidens.com
Valor Home Loans delivers tailored construction lending solutions, prioritizing expert advice and exceptional service. With nearly three decades of experience in builder-related financing, Brad specializes in innovative solutions that benefit both builders and borrowers. Our services include FNMA, FHA, and VA construction-to-permanent loans, as well as unique jumbo and portfolio loans designed to provide sensible lending options for self-employed individuals.
Beyond our custom construction programs, Valor also provides cutting-edge development and speculative lending solutions. These programs add value at every stage of the building process, supporting builders throughout their entire journey.
Brad's dedication to excellence in financial services is complemented by his commitment to community engagement. He has held elected positions in local government and served on the boards of organizations such as CareNet, Habitat for Humanity, and Rotary International. Brad has also contributed articles to publications like the Seattle Times and Issues and Answers. He and his wife Jill have been married for 29 years and live in Horseshoe Bend, ID. Brad enjoys skiing and enduro bike riding in his free time.