Trusted Mortgage Loan Experts Near Huntsville, UT

There’s a Mortgage Loan Option for Your Situation.

Your circumstances are specific to you. We feature a diverse selection of financing programs customized for your unique needs. We have programs for first-homebuyers, veterans, healthcare workers, people seeking better loan terms, and much more—just let us know how we can help. Whatever the scenario, we will get you the best-fit loan that supports your budget and homeownership desires.

Understanding Conventional Loans

These are loans provided through private lenders, such as banks and credit unions. Our team features conventional loan programs with as little as 3% down while offering the most competitive rates coast to coast.All gift contributions may be applied on your down payment without any processing or origination costs involved!

Benefit: You can put down just 3 percent by applying entirely gifted funds support. And of course, there are no upfront added costs at us.

Drawback: Conventional loans often have more conservative debt-to-income standards, meaning your existing debts can’t take up too much of your income.

Conventional loans are a strong option, but they aren’t ideal for all borrowers. We’re focused on guiding you in finding the right path forward and connecting you to the loan that aligns with your future plans.

Mortgage Refinancing Options

It’s true, reworking your mortgage is a wise decision that may help you save money over time. The standout perk? You could secure a significantly lower interest rate—cutting your payment costs and saving tens of thousands over the life of your loan. Even a small reduction in your monthly mortgage payment can make a big difference—redirecting funds toward other financial priorities like building savings.

Benefit: Refinancing from an ARM (adjustable-rate mortgage) to a fixed mortgage helps you ensure steady payments and eliminate the risk of rate increases—offering certainty for the entirety of your mortgage.

Drawback: The closing costs associated with refinancing can be significant, but we cover any refinance processing fees, making us the ideal lender for home loan refinancing.

Retirement Mortgage Solutions

With a reverse mortgage, you can turn the wealth tied up in your home into cash and still remain in your home with no monthly mortgage bills. Our certified mortgage consultants

Take the First Step Toward Building Your Home Today

Construction loans are made to offer quick financing, so you can build your dream home or embark on a large renovation project. They are typically high-interest mortgage loans meant to be settled once the construction is wrapped up. Different from most other loans, construction loans involve multiple disbursements as each stage of construction is completed. You’ll find several kinds of construction loans, and our experienced lending team would be glad to help you choose the best fit.

Advantages: You gain the flexibility of accessing the funds to build your home exactly as you’d like it.

Disadvantages: Construction loans require a permanent mortgage once the build is complete, but we are here to support you with that next part of your loan and find the lowest mortgage loan rate.

Our expert team understands construction lending and will keep your build on schedule in terms of cost and construction..

FHA: An Easier Route to Homeownership

Here, we aim to make purchasing a home within reach—whether you're new to the market, improving your credit, or have minimal upfront funds. Supported by the Federal Housing Administration, FHA loans are designed to assist buyers who are looking for extra flexibility without giving up great terms or long-term value.

Advantages: FHA mortgage loans usually have more competitive loan rates.

Disadvantages: Caps exist around how much you can borrow, which may vary depending on your county. Call a trusted mortgage loan specialist at Summit Home Loans to talk to an advisor.

USDA Home Loans

If you’re dreaming of wide-open spaces and a house that offers a genuine getaway, you might find a USDA loan is the path to making it real. USDA loans are designed for certain rural and suburban areas, and they come with no down payment required, so you can buy with nothing down. Moving to the countryside is a chance to invest in a place you love without the need for a big upfront payment.

Benefit: These loans are more lenient with credit, helping all types of buyers to qualify.

Drawback: Because USDA loans involve additional approval from the USDA itself, the funding timeline can take a bit extra time than standard loans.

Reliable Veterans Affairs Loan Options

Every veteran deserves the right to achieve homeownership without hurdles or unfair costs. This is why we proudly offer VA-backed home loans—a specialized mortgage loan tailored to support those who have served, current service members, and qualifying spouses. Supported by the U.S. Department of Veterans Affairs, mortgages for veterans are designed to honor your service by making homeownership more manageable and achievable. With the absence of a down payment, no monthly PMI costs, and lenient credit guidelines, VA financing is one of the best mortgage loans on the market. And we remain proud to bring this program to those who have served and their families.

Benefit: If you're eligible, you can quickly reduce your interest rate with a VA Interest Rate Reduction Refinance Loan (IRRRL).

Drawback: VA mortgage loan programs are intended for your main home, meaning you can’t use them to finance a vacation house.

Skyrocket Your Buying Power With a Jumbo Elite Loan

When your home loan exceeds traditional thresholds, our team delivers exceptional rates and flexible loan options in communities all over the Wasatch Front. With as little as 10% down and no mortgage insurance, our Jumbo Loan Program is a cut above. We welcome FICOs as low as 680 or higher with no fees for origination or processing.

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

Disadvantages: Applicants must show solid financial stability for these loans.

Buy a High-Cost Home with More Attractive Terms

Nationwide High Balance Loans offer the perfect middle ground between traditional loans and high-value loans. Borrow more than traditional loans but still benefit from competitive interest rates and more lenient qualifying standards. Especially for high-price regions, these mortgage loans offer increased limits with less stringent requirements, making it simpler for you to buy that ideal home you’ve always wanted.

Pros: Competitive mortgage loan rates, offering more cost-effective financing for high-end homes. Nationwide High Balance Loans let you borrow more than conventional loans and are a great option for buyers in areas with high home prices.

Cons: Due to the increased loan limits, these loans often call for a larger down payment. Applicants must comply with the more rigorous credit and income guidelines.

Reliable Commercial Loans

As an independent mortgage brokerage, we strive to reduce costs for our clients with any kind of mortgage loan. This also applies to commercial loans. We provide quick turnaround times, flexible loan options, and competitive rates on all types of commercial loans. Connect with us today to learn more about our commercial financing options. We go beyond traditional home loans to back your success in business ventures beyond the home.Commercial loans usually cover business growth or acquisitions. Commercial loans come in various forms, such as SBA-backed funding, commercial real estate financing, and short-term financing. We can guide you to a suitable option for your company.

Pros: Commercial financing options allow you to borrow more to purchase, refinance, or develop commercial property.p>

Cons: Commercial loans may carry more expensive terms versus residential mortgages because they carry more risk. At times, you may need established credit, well-prepared documentation, and substantial funds upfront to to qualify.

Explore Our Doctor Mortgage Loan Options

Don’t let your student loan debt hold you back from buying a home. Medical professional loans make it easy for you to own the home you’ve been looking for. If you’re still completing or recently finished a medical residency, doctor loans let you exclude student debt when calculating your debt-to-income ratio. Get access to reduced down payments as low as 3% with a FICO score of 720 or higher. Zero origination or processing fees on our mortgage loans.

Pros: Doctor loans often come with small or no upfront costs. This makes it easier for medical professionals to become homeowners earlier in their careers. These loans often don’t require Private Mortgage Insurance, which can reduce your monthly costs.

Cons: Doctor loans offer valuable perks, but they may come with slightly higher mortgage loan rates than traditional mortgages because of the perceived risk. Medical professional loans are usually only available to physicians, dental professionals, and other specified healthcare providers.

Summit Home Loans Offers More

Things change in life, and we’re here to assist you at any point in your journey. As a comprehensive mortgage brokerage, we are able to customize loans to meet your needs. Even if you feel you might not qualify for a particular loan, we can review your choices and find a solution that fits your needs.