Orem, UT's Top Mortgage Loans

Home Loan Options

We feature a diverse selection of home loan options to match your situation. It doesn’t matter if you’re a first-time house shopper, looking to lower your current loan, or interested in a conventional loan—we will deliver you the highest quality service and interest rates. Our loan specialists will support you along the way to find the perfect fit for your specific situation and home buying goals.

Should You Consider a Conventional Loan?

One of the most trusted and adaptable mortgage loan options to consider is a conventional loan—and it’s easy to see why. These loans rely on independent banks rather than the government, which gives you more flexibility when it comes to rate structures, property types, and repayment setup. If you’re financially well-qualified with strong credit, we can get you a conventional loan with the best mortgage loan rates available across the country.

Advantages: One of the most appealing aspects of conventional loans is that they often come with fewer charges compared to loans backed by the government, such as VA or FHA loans.

Disadvantages: However, your down payment will need to be at least 3% to prevent extra costs, like mortgage insurance.

Conventional loans are a highly effective option, but they are not the right fit for everyone. We’re dedicated to helping you in understanding your loan choices and helping you pick the loan that meets your long-term goals.

Understanding Home Refinancing

Indeed, refinancing your mortgage is a intelligent choice that may lower your monthly payments over time. The biggest advantage? You could get access to a dramatically reduced rate—slashing your monthly payments and cutting total interest dramatically. Even a slight decrease in your mortgage bill can make a big difference—helping you prioritize other financial priorities like investing in your future.

Advantages: Refinancing your home can put you on the path to financial freedom by cutting down what you pay in interest, letting you keep more of your hard-earned money. Additionally, it makes your home’s value work for you. You can use your home’s equity for enhancing your living space, consolidating credit cards, or covering major expenses.

Disadvantages: While refinancing offers potential savings opportunities, it can stretch out your payment period and ultimately result in greater interest paid overall. Plus, if you’re not planning on keeping your home for the foreseeable future, this might not be the ideal path.

Home Equity Conversion Mortgages

When you're 62 or older, you may find yourself needing supplemental cash without moving or making monthly mortgage payments. When you choose a Reverse Mortgage Loan, you can tap into a portion of the equity in your house for cash and clear the rest when you sell your property or after you pass away.

Begin Your Custom Build With a Trusted Construction Loan

Construction loans are meant to offer fast financing, so you can build your dream home or embark on a large-scale renovation project. They are typically short-term, high-rate mortgage loans designed to be repaid once the construction is completed. Unlike standard loans, construction loans include multiple disbursements as the construction progresses. We offer many different types of construction loans, and our experienced lending team would be glad to find the right one for you.

Benefit: Most construction loans ask for only interest payments during the build.

Drawback: Construction loans usually demand a bigger down payment. You’ll be required to have comprehensive plans, a construction schedule, and a qualified builder in place before getting approved.

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

Your Path to Homeownership Made Easier with FHA

FHA home loans are insured by the federal government and made to help those with limited income or new homebuyers. We're an FHA-authorized broker, delivering our clients numerous benefits with FHA loan solutions. We offer FHA mortgage options with only 1.5% down and a credit score starting at 580. Gift funds accepted for the entire down payment, with zero origination or processing charges.

Pros: These loans are simpler because they have more relaxed credit and income requirements than conventional loans.

Cons: These loans require both initial and recurring mortgage insurance, which raise your total loan expense.There are also firm constraints on the amount you can borrow, which may fall short for high-priced homes.

Rural Housing Loans

A USDA loan is a government-backed mortgage designed for eligible buyers with modest incomes in rural or suburban areas, offering zero down payment and low interest rates. With us, you may qualify with a credit standing as low as 580 and benefit from no origination or processing fees.

Advantages: Budget-friendly mortgage payments thanks to below-market rates and affordable insurance rates.

Disadvantages: To qualify for a USDA loan, you must meet eligibility rules based on the area you're buying in and your household size. We’ll help you check your eligibility with one of our friendly mortgage experts.

Best Eligible Veteran Home Loans

The U.S. Department of Veterans Affairs offers the best mortgage loan that assists active-duty service members, veterans, and surviving spouses buy a home with favorable terms and zero down payment. With a VA-backed loan, reap the benefits of more manageable payments and the best loan rates tailored for veterans.

Benefit: If needed, you have the option to decrease your monthly rate with a VA Interest Rate Reduction Refinance Loan (IRRRL).

Drawback: VA loans are for primary residences only, meaning they can’t be used to finance a vacation house.

Own a Luxury Property With Jumbo Elite Mortgage Programs

For home loans over the conventional limit, our team provides some of the best loan programs available throughout the Wasatch Front. Thanks to a low down payment of just 10% and no PMI, our Jumbo loan solution leads the market. We welcome FICOs as low as 680 with no fees for origination or processing.

Pros: You can secure larger amounts than standard loans, which is great for purchasing expensive estates. With competitive mortgage loan rates, Jumbo loans offer multiple loan terms, providing versatility for homebuyers who require a larger mortgage.

Cons: While competitive, Jumbo Elite home loan rates can be higher than those of standard loans, resulting in bigger monthly payments.

Nationwide High Balance Mortgages

Nationwide High Balance Loans offer the perfect middle ground between regular mortgage loans and large loans. Secure more than conventional mortgage loans but still benefit from competitive interest rates and flexible qualifying criteria. Especially for expensive areas, these mortgage loans offer increased limits with less stringent requirements, making it simpler for you to secure that forever home you’ve always wanted.

Pros: Favorable mortgage loan rates, providing more affordable loan options for high-end homes. Nationwide High Balance Loans let you secure a higher loan amount than traditional mortgages and are a smart choice for buyers in areas with high home prices.

Cons: As a result of the larger loan sizes, these loans typically come with a bigger upfront payment. Applicants must adhere to the stricter qualification standards.

Reliable Commercial Loans

When you're ready to take the next step, you need capital that works for you. Our commercial loans can help expand your operations—whether you're investing in property, modernizing your operations, adding machinery, or expanding into a new area. Benefit from our smart financing options designed for your needs, revenue stream, and schedule—so you can stay focused on growth.

Benefit: We offer great rates to help you manage your expenses as you scale your business.

Drawback: Based on the loan option and your financial standing, a higher down payment might be needed.

A Better Way for Doctors to Purchase a Home

Doctor-specific mortgages recognize that healthcare providers typically have strong earning potential but also have substantial student loan debt due to their long and expensive education. That's why physician mortgages are frequently more advantageous to healthcare providers than standard loan options. With low down payments and adjustable income-to-debt guidelines, this loan product is an excellent opportunity for healthcare professionals.

Advantages: Medical professional mortgages are created for healthcare providers, making homeownership more practical and accessible.

Disadvantages: Physician home loans are specialized and available at a limited number of lenders. We take pride in our physician mortgage programs and are privileged to offer their special options to physicians and other medical professionals near Orem, UT.

A Variety of Programs

We're a brokerage. We have access to all the mortgage options that our customers need. Can’t find the loan program you need?. Ask us directly. We’re confident we have a mortgage loan plan to fit your needs. If not, then we will help you create a plan to reach your homeownership goals.