As brokers, we advocate on behalf of you. And with over 50 wholesale investors at our disposal you know you'll be getting the right loan for you. Zero, Zip, zilch, natta, bupkis. There's a hundred ways to say it, and hundred reasons you shouldn't be using a lender who charges one. Here, we make it a point to never charge an origination fee.
Unlike big box banks, credit unions and large online retail shops we leave everything on the table from the start. No hidden fees, no unnecessary charges, no bait and switch tactics. The only thing better than our impeccable rates is our dedication to the speed. Most loans can be done from application to consummation in less than 30 days and often only take 2-3 weeks.
Unlike big box banks, credit unions and large online retail shops we leave everything on the table from the start. No hidden fees, no unnecessary charges, no bait and switch tactics. The only thing better than our impeccable rates is our dedication to the speed. Most loans can be done from application to consummation in less than 30 days and often only take 2-3 weeks.
Services
Our team is growing quickly to support hundreds of new home-buyers each year. As a privately owned, founder-led company, we are able to cut costs and time spent on your overall home loan process. We invest in technology, research, home-owner support, and great design. We also invest in every single one of our loan professionals and support staff that help make Utah Mortgage a great place to work.
VA Loans play an important role in putting our brave military-serving citizens and their families into a home of their own. A VA loan is issued by a private lender and insured by the Department of Veterans Affairs. It's a valuable benefit - offering a mortgage with a lower-than-most interest rate that usually requires no down payment - for qualified U.S. veterans, active-duty military personnel and certain surviving spouses.
A USDA home loan is a zero down payment morgage for eligible rural and suburban home buyers, and might be one of the government's lesser-known home loan assistance programs, also being one of the better government backed loans if you qualify. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.
If you're shopping for an expensive home or searching in a hot real estate market, you may find that the amount you need to borrow exceeds the loan limits for traditional loans. Your best option could be a jumbo loan, which allows you to borrow a larger sum of money for a property than a conforming loan.
If you're 62 or older - and want money to pay off your mortgage, supplement your income, or pay for healthcare expenses - you may consider a reverse mortgage. It allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills.
Conventional mortgage borrowers typically make larger down payments than FHA borrowers, and they tend to have a more secure financial standing and are less likely to default.A larger down payment means lower monthly payments. Plus, with the ever-increasing mortgage insurance premiums on FHA loans, payments for conventional loans that don't require private mortgage insurance can be much more manageable in comparison.
Conventional mortgage borrowers typically make larger down payments than FHA borrowers, and they tend to have a more secure financial standing and are less likely to default.A larger down payment means lower monthly payments. Plus, with the ever-increasing mortgage insurance premiums on FHA loans, payments for conventional loans that don't require private mortgage insurance can be much more manageable in comparison.
Reviews (10)
Jonathan Gardner
Dec 29, 2021
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Ren Sanders
Dec 28, 2021
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Kristin Waters
Dec 26, 2021
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Melissa Conlon
Nov 04, 2021
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Martie Goodrich
Oct 31, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Michael Kingdon was wonderful! He was fast and thorough and helped me with different options. Got me a lower interest rate, good loan company, and nice title company. He knows everything about mortgages and refinancing. He follows through without dropping the ball. Thank you!
Michael Kingdon was wonderful! He was fast and thorough and helped me with different options. Got me a lower interest rate, good loan company, and nice title company. He knows everything about mortgages and refinancing. He follows through without dropping the ball. Thank you!
Joe Conlon
Oct 19, 2021
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Dalton Clarke
Oct 06, 2021
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Worked with one of the coolest people I have not met in person. Jacob Lee (Jake not from State Farm) lol 😂. This was the best experience working with a financial anybody. He kept the process simple and explained every step of what is to come and what to expect. The entire process was a breeze and I definitely recommend asking for him if you are looking for a mortgage broker. Service is second to none and he makes you feel like the only person he is working with. My wife called him my best friend always calling and texting with updates. Thank you Jake. Loving our new home.
Lori Douglas
Sep 17, 2021
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Kayla Heffner
Aug 29, 2021
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Jake is awesome! There were many bumps in the home buying process (all from the builder), but Jake made things really easy on the finance side. He was open to any questions we had, and also has the best attitude about things. He is just an all around good guy. I hope if you’re in the market for a mortgage broker, you consider Jake! We know it’s a tough decision, but he’s the right one. 😊
Kyle Bloomfield
Aug 05, 2021
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