What we do

Services List

Conventional Loans
Summit Home Loans offers conventional loan programs with as little as 3% down while offering the most competitive rates nationwide. 100% gift options available for your down payment. No origination or processing fees with SHL.
Home Refinance Loans
We provide a free pre-qualification for anyone looking to refinance. We don't charge origination fees or processing fees, making us your most competitive mortgage option at Summit Home Loans.
Reverse Mortgage Loans
A reverse mortgage allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills.
Construction Loans
Finalize your construction loans with us. Our fast and simple loan process offers you a wholesale rate plus fewer closing costs out of pocket. We offer a 180-day lock option as well. No origination, processing, or underwriting fees with SHL!
FHA Loans
Summit Home Loans is an FHA approved broker offering our clients many benefits with FHA loan programs. SHL offers down payment programs through FHA as low as 1.5% down, and FICOs as low as 580. 100% gift options available for your down payment. No origination or processing fees with SHL.
USDA Loans
USDA loans are backed by the United States Department of Agriculture. There are many benefits of getting a USDA loan with Summit Home Loans. No down payment required. Highly competitive interest rates. FICOs as low as 580. No origination or processing fees with SHL!
VA Loans
VA helps US Military service members, veterans, and eligible surviving spouses become homeowners. Being close to Hill AFB, we at Summit Home Loans exclusively help Veterans by not charging origination, processing, or underwriting fees. With as low as 0% down, no mortgage insurance, and the lowest rates around, Summit Home Loans is able to offer an excellent product and experience to our esteemed veteran clients.
Jumbo Elite Loans
For home loans over the conventional limit, Summit Home Loans offer extremely competitive rates and programs all over the Wasatch Front. With as little as 10% down and no mortgage insurance, our Jumbo Program is elite. FICOs as low as 680. No origination or processing fees with SHL!
Nationwide High Balance Loans
Get the bigger house without the bigger rate. Save cash with a conventional loan up to $679,650 (depending on county). 10% down required and no mortgage insurance. FICOs as low as 680. No origination or processing fees with SHL! Very few lenders offer this program nationwide.
Commercial Loans
As a brokerage we are able to save people money with any type of mortgage financing. This is true with commercial properties as well. We are able to deliver excellent turn-times, diverse loan programs, and extremely competitive rates on all commercial loan financing. Reach out today to learn more about our commercial financing options.
Doctor Loans
Don’t let your medical student loans keep you from buying a home. Doctor loans make it easy for you to get the home of your dreams. If you are currently in, or have recently completed, a medical residency or fellowship, our doctor loans allow you to exclude student loans when calculating your debt-to-income ratios. As low as 3% down, must have at least a 720 FICO. No origination or processing fees with SHL!
Many More Programs
Summit Home Loans is a brokerage. We have access to all the products that our customers need. Don't see the loan program you were looking for? Reach out to us and ask. We're sure to have a program to fit your needs. If not, then we are the experts to help you create a plan to reach your homeownership goals.
Partner with us

Become a Partner

We encourage you to take a look at our Google reviews as we strive to deliver the best possible experience to each of our clients while offering the very best rate and cost available. If you are paying any of the following fees for your mortgage then you are paying too much and should at least call us so we can help you get the best deal.

Our simple business model is to deliver industry leading turn-times with the lowest possible rate and cost for each client. We truly believe that you never need to sacrifice service for price. Our unique model offers a hands on approach and the best price. We also have many lending relationships which mean we can offer our clients and partners many more products and options than a traditional lender. We simply have more tools in our belt.

The realtors we partner with love being able to present themselves as the expert in helping their clients find the best deal possible. We sincerely believe that partnering with us strengthens any real estate professionals bio. When you work with the experts, you become an expert.

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