Herriman, Utah's Top Mortgage Solutions

A Mortgage Program That Is Perfect for Your Situation.

Your circumstances are specific to you. We feature a variety of loan products designed to fit your individual situation. We have programs for new homeowners, veterans, medical professionals, homeowners wanting to refinance, and much more—just let us know how we can help. Whatever the goal, we will find you the ideal financing option that matches your long-term plans and housing needs.

Should You Consider a Conventional Loan?

These are loans offered by non-government lenders, such as banks and credit unions. Our team provides conventional loan programs with as little as 3% down while offering the lowest rates across the country.All gift offerings are accepted toward your down payment and no loan origination fees charged!

Pros: Less expensive closing costs compared to government-backed loans like FHA or VA loans, and they feature adjustable financing timelines.

Cons: Usually, you should plan for at least 3% or more as a down payment to reduce the risk of extra costs, such as mortgage insurance. They also often have more selective credit and income qualifications compared to government-backed home loans.

Conventional loans are a solid option, but they might not suit everyone’s needs. We’re focused on assisting you in navigating all your financing solutions and connecting you to the loan that supports your financial future.

The Financial Benefits of Refinancing Your Home

Refinancing your home involves replacing your existing mortgage loan to pay off your current mortgage, typically to reduce your rate. We include a free pre-qualification for homeowners considering refinancing. We don’t charge loan origination fees or loan processing fees, making us your most competitive option.

Benefit: Refinancing from an ARM (adjustable-rate mortgage) to a stable-rate loan helps you secure consistent payments and protect yourself from future interest increases—offering certainty for the entirety of your mortgage.

Drawback: The closing costs associated with refinancing can be significant, but we eliminate any application and setup fees, making us the most trusted lender for locking in a better rate.

Everything You Need to Know About Equity Release Loans

A great solution for people 62 and older, a reverse mortgage loan provides you with the steady monthly income for your needs. Instead of paying the lender, the lender gives you money—through the equity you’ve accumulated in your home. There are different ways to receive your reverse mortgage loan: as a single upfront payout, through consistent monthly payments, or as a line of credit you can access as needed. The great thing is the loan isn’t due until you move out and sell the house, move out long-term, or after death.

Advantages: You’re permitted to stay in your home for as long as you decide to stay. You will never owe more than the home’s appraised value at sale, even if the loan amount is more than the home’s worth.

Disadvantages: As the loan balance increases, it lowers the equity you can pass along to your heirs.

Call us for a personal consultation, and we’ll help you explore whether a reverse mortgage aligns with your goals.

Make Your Home Plans a Reality With Construction Loan Support

Construction loans are made to offer fast financing, so you can build your dream home or undertake a large-scale renovation project. They are typically short-term, high-rate mortgage loans intended to be fulfilled once the construction is wrapped up. In contrast to standard loans, building loans consist of multiple disbursements as each stage of construction is completed. We offer a variety of construction loans, and a knowledgeable loan specialist would be happy to match you with the right option.

Pros: Money is made available for building the house as it progresses, including the cost of materials, labor, and land. The loan is given in stages as the construction advances, guaranteeing money is available throughout the project.

Cons: Construction loans usually have faster repayment periods and higher interest rates compared to traditional home loans, resulting in higher monthly payments. These loans may also need a clear plan, a substantial down payment, and a solid credit record.

Our knowledgeable team specializes in construction lending and will keep your build on schedule with the budget and structure..

FHA: An Easier Route to Homeownership

FHA home loans are guaranteed by the Federal Housing Administration and created to support low-income buyers or people buying their first home. We're an FHA-approved broker, providing our clients many advantages with FHA financing programs. We offer FHA home loans with only 1.5% upfront and FICO scores as low as 580. Entire down payment can be a gift, with no fees for origination or processing.

Pros: These loans are more accessible because they have lower credit and income requirements than traditional loans.

Cons: These loans require both initial and recurring mortgage insurance, which raise your total loan expense.There are also federally set parameters on how much you can borrow, which may fall short for expensive properties.

No Down Payment? We’ve Got You Covered with a USDA Mortgage

If you’re planning to move to a USDA-eligible rural or suburban area, the government offers accommodating loans that promote homeownership and economic growth in these areas. Become approved for a USDA loan with a credit rating as low as 580 and no down payment required. Give us a call for a stress-free preapproval process.

Advantages: Reduced housing costs as a result of reduced loan rates and affordable insurance rates.

Disadvantages: There are certain requirements based on the location and the size of your family. Let us guide you through the process with one of our experienced USDA loan experts.

Best Veterans Affairs Loan Programs

Each veteran has earned the ability to buy a home without obstacles or burdens. That’s why we proudly offer VA loans—a robust type of mortgage built specifically for those who have served, current service members, and qualifying spouses. Secured through the U.S. Department of Veterans Affairs, mortgages for veterans exist to recognize your service by making homeownership easier to attain. Thanks to zero down payment, no private mortgage insurance (PMI), and flexible credit requirements, VA financing is one of the best mortgage loans on the market. And we remain proud to deliver this valuable resource to you and those who matter most.

Pros: VA mortgage programs include complete financing, meaning a down payment isn’t necessary. This helps make it possible for eligible military families, veterans, and active-duty members to buy their first home. Also, unlike conventional loans, VA mortgage programs don’t require PMI.

Cons: VA mortgage programs often include a one-time government funding charge, adding to your total home purchase price.

Exclusive Jumbo Mortgage Programs

Exclusive estates necessitate financing that fits their scale and sophistication, which is why Jumbo Elite loans are a great option. Jumbo Elite Loans are for buyers who need more than what conventional loan caps allow without settling on affordable rates or streamlined service. With our expert team assisting the process, obtaining funding for a luxury home feels anything but complicated.

Advantages: Jumbo Elite Loans offer mortgage loan rates that are more cost-effective than regular jumbo loans.

Disadvantages: Applicants need to show strong financial stability for these loans.

Nationwide High Balance Lending Options

Purchase the bigger house without the higher rate. As little as a 10% down payment required with no private mortgage insurance required. FICOs as low as 680. And no fees for origination or processing. Only a limited number of lenders provide this program nationwide.

Benefit: High Balance Loans typically feature lower down payments when compared to Jumbo financing, allowing access to higher-priced properties.

Drawback: Although Nationwide High Balance Loans go beyond traditional loan limits for conventional loans, the total loan value is still capped at your regional conforming cap. Determine the maximum loan limit today by speaking with one of our expert home loan advisors near Herriman, Utah.

Fuel Your Business Development With a Custom Commercial Loan

As an independent mortgage brokerage, we aim to save clients money for all mortgage types. The same goes for commercial properties. Our team delivers fast service, customizable loan solutions, and competitive rates on all types of commercial loans. Connect with us now to learn more about our commercial loan programs. We offer more than traditional home loans to back your success in business ventures beyond the home.Commercial loans usually finance business expansion or acquisitions. Commercial loans are available in various forms, such as Small Business Administration loans, commercial real estate financing, and interim loans. Our team will guide you to the right loan for your business.

Pros: Commercial financing options enable you to borrow more to purchase, refinance, or build real estate for your business.p>

Cons: Commercial loans usually include higher interest rates compared to home loans because they carry more risk. In some cases, you may need good business credit, a clear business strategy, and a large down payment to meet requirements.

A Smarter Way for Doctors to Buy a Home

Doctor mortgage loans take into account that healthcare providers often earn high incomes but nevertheless hold significant student loan debt as a result of their long and expensive education. Because of this, home loans for doctors are generally more attractive to healthcare providers than traditional mortgages. With low down payments and adjustable financial qualification standards, this loan product is an great choice for doctors.

Pros: Doctor loans often offer low or no down payments. This helps healthcare providers to buy a home sooner. These loans typically don’t require monthly mortgage insurance, which can reduce your monthly costs.

Cons: Doctor loans offer valuable perks, but they may come with somewhat higher mortgage loan rates than traditional mortgages because of the increased financial risk. Specialized home loans for doctors are usually only accessible to physicians, dentists, and other specified healthcare providers.

Don’t See Your Loan Here?

Life is always changing, and we’re ready to support you at every stage of your journey. As a full-service brokerage, we have the capacity to personalize loans to fit your specific needs. Even if you think you may not qualify for a specific loan, we can consider other options and find a solution tailored to your individual situation.