Reliable Mortgage Professionals Near Salt Lake City, Utah

Home Loan Options

We deliver a variety of home loan options to match your situation. It doesn’t matter if you’re a first-time homebuyer, looking to lower your current loan, or interested in a conventional loan—we will deliver you the best possible service and interest rates. Our experienced professionals will support you along the way to identify the best mortgage match for your unique financial needs and homeownership dreams.

Conventional Loans

One of the highly favored and adaptable mortgage loan options available is a conventional mortgage—with good cause. These loans are supported by independent banks as opposed to the government, which offers you more options when it comes to rate structures, property types, and loan customization. If you’re financially well-qualified with strong credit, we’ll connect you with a flexible mortgage solution with the most competitive mortgage loan rates nationwide.

Benefit: You can contribute as little as 3% with complete gift funding assistance. And of course, you won’t pay any upfront added costs at us.

Drawback: Conventional loans often have more rigorous debt-to-income ratio standards, meaning you can’t have too much existing debt.

Conventional loans are a popular option, but they aren’t the perfect solution for everyone. We’re committed to guiding you in understanding your loan choices and connecting you to the loan that fits your bigger picture.

Refinancing Solutions

Refinancing your home involves taking out a new mortgage loan to transition from your existing mortgage, typically to secure a lower interest rate. We provide a zero-cost loan evaluation for borrowers exploring lower rates. We don’t charge upfront origination costs or underwriting fees, making us your go-to source for savings.

Pros: Shrinking your monthly loan payment and potentially saving you money over time. You can also use your home’s built-up value, which can be used for renovations, debt consolidation, or major purchases.

Cons: Refinancing your home loan comes with closing costs that can be noticeable, making it a less favorable choice for homeowners who don’t plan to keep the home for an extended period. Extending your mortgage loan term can mean increased interest costs over the full duration of your loan.

A Guide to Understanding Senior Home Loans

Our trusted home financing specialists can help you explore whether this solution meets your needs.

Residential Construction Loans

Our team recognizes that creating a home from the ground up goes beyond bricks and mortar, it’s a dream. Our construction loans are created to provide you with the stability and support to start building without worry. Many people decide to work with an expert or take the DIY route. No matter the route you take, we will help you secure the financing that matches your specific needs and timeframe—this also includes a 180-day lock option, ensuring your mortgage loan rate for 180 days.

Advantages: You gain the flexibility of accessing the funds to build your house exactly how you envision it.

Disadvantages: Construction loans require a long-term financing solution once the home construction is done, but we are here to help you with that next step of your loan and help you find the best loan rate.

Our knowledgeable team understands construction lending and will keep your build on track with the budget and structure..

Qualify for FHA Financing

FHA home loans are insured by the U.S. government and intended to assist those with limited income or first-time homebuyers. We're an FHA-endorsed mortgage provider, offering our clients numerous benefits with FHA loan solutions. We offer FHA-backed loans with an initial payment of only 1.5% down and FICO scores as low as 580. Down payment can be fully gifted, with zero origination or processing charges.

Pros: These loans are simpler because they have less strict credit score and income standards than conventional loans.

Cons: These loans include both upfront and monthly mortgage insurance premiums, which raise your total loan expense.There are also firm constraints on the amount you can borrow, which may not be sufficient for high-priced homes.

Own a Property in a Qualifying Rural Location with USDA Loans

If you’re dreaming of open countryside and a house that offers a genuine getaway, a USDA loan could help bring that dream to life. USDA home loans help approved rural and suburban locations, and they allow 100% of the cost to be financed, so you don’t need to put money down. Moving to the countryside is a chance to own a home you truly enjoy without the burden of a large down payment.

Pros: It’s an ideal choice for buyers with little or no savings, because it requires no money down. In most cases, USDA loans come with cheaper mortgage insurance compared to other loan types, which can save you money over time.

Cons: These home loans are exclusively for homes in select locations, limited to qualified areas.. Applicants must meet income guidelines, so some may be turned away due to income limits.

Helping American Veterans With VA-Backed Financing

Government-backed VA home loans assist veterans, service members, and spouses of deceased veterans purchase a home. Conveniently located by Hill AFB, our loan officers proudly honors those who've served. With zero down payment, no PMI, and great rates, we proudly offer a competitive financing option to eligible veterans.

Benefit: If you're eligible, it’s possible to secure a lower mortgage loan rate with a VA Interest Rate Reduction Refinance Loan (IRRRL).

Drawback: VA loans are limited to primary residences, meaning they can’t be used to buy an investment property.

Increase Your Loan Limit With High-Value Jumbo Financing

If you're ready to purchase a high-value home, we’re ready to guide you through the process. Jumbo Elite Loans are tailored for high-income individuals who are looking to finance luxury or premium loans that go beyond conventional limits. We accept a minimum of 10% down and don’t require mortgage insurance.

Pros: You can secure higher sums than conventional loans, which is perfect for acquiring high-end estates. With favorable mortgage loan rates, Jumbo loans offer a range of payment plans, providing flexibility for individuals who seek a bigger loan.

Cons: While favorable, Jumbo Elite home loan interest rates can be more expensive than those of standard loans, resulting in larger monthly payments.

Purchase a High-Cost Home with More Attractive Terms

For those of you who intend to purchase properties in expensive regions where home prices are higher than average, a Nationwide High Balance Loan might be the solution. Unlike jumbo loans, Nationwide High Balance loans are backed by Fannie Mae & Freddie Mac and usually come with more competitive mortgage loan rates. We’re proud to be one of the few lenders across the country who can offer access to this exclusive lending option.

Benefit: These mortgage loans typically offer lower down payments when compared to Jumbo financing, putting high-cost homes within reach.

Drawback: Although Nationwide High Balance Loans surpass traditional loan limits for conventional loans, the maximum loan is still limited by the conforming limit in your area. Learn the conforming loan limit today by speaking with one of our expert finance experts near Salt Lake City, Utah.

Business-Focused Commercial Loans

As an independent mortgage brokerage, we help lower financing expenses with any kind of mortgage loan. This also applies to commercial loans. Our team delivers efficient processing, flexible loan options, and market-leading terms on all commercial financing. Connect with us today to find out more about our commercial financing options. We go beyond traditional mortgage lending to help your success in business ventures as well.Commercial loans typically finance business activities or acquisitions. Commercial loans come in a range of formats, such as SBA loans, commercial real estate financing, and short-term financing. We can guide you to a suitable option for your business.

Pros: Commercial loans enable you to get major financing to purchase, refinance, or upgrade commercial property.p>

Cons: Commercial loans usually include higher borrowing costs compared to standard home financing because they come with higher risk. At times, you may need established credit, well-prepared documentation, and a strong down payment to secure the loan.

Take Advantage of Our Doctor Mortgage Loan Programs

Doctor mortgage loans take into account that doctors often have strong earning potential but still hold large student loan debt because of their lengthy and costly education. For this reason, doctor loans are generally more beneficial to doctors than standard loan options. With minimal down payment requirements and adjustable income-to-debt guidelines, this mortgage loan is an incredible option for medical professionals.

Pros: Doctor loans often offer small or no upfront costs. This helps doctors to buy a home earlier in their careers. These loans usually don’t require Private Mortgage Insurance, which can help lower your payments.

Cons: Doctor loans offer great benefits, but they may come with slightly higher mortgage loan rates than traditional mortgages because of the added lender risk. Specialized home loans for doctors are typically only offered to doctors, dental professionals, and other specified medical personnel.

Personalized Mortgage Programs for All Phases

Things change in life, and we’re here to assist you at whatever stage you find yourself. As a comprehensive mortgage brokerage, we are able to tailor loans to fit your specific needs. Even if you believe you aren’t eligible for a certain mortgage, we can consider other options and find a solution tailored to your individual situation.