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35 years of service

Our team has more than 35 years of experience in personal finance, and the mortgage industry. We create opportunities to enhance the lives of those we work with by providing honest, professional, dependable service. Our main focus has always been providing mortgage solutions based on our clients’ best interests.

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Choosing the right mortgage program for your specific needs can be critical for your long-term financial health. We are highly motivated to use our expertise to ensure that our clients and colleagues are thrilled with the experience they have with us. Give us a call, and join our list of satisfied customers!

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Types of Loans

Purchasing, and owning a home is one of the best investments you can make. There are many home loan options available, but it takes some research and knowledge to find the perfect loan. Once you have an understanding of the mortgage programs that are available, you should plan your loan around your life and your goals and effectively invest in real estate. The lowest interest rates and fees are a great place to begin. When you pair low interest rates and fees with the experience and knowledge of a Utah mortgage expert, you’re off to a great start.
The best loan available in Utah is a conventional mortgage. These loans have the most flexible mortgage options to fit your specific needs. They are available to the best qualified borrowers. There are no cost and low cost options, a 30 year, 20 year, 15 year and 10 year fixed mortgage programs as well as adjustable (ARM) loans. These programs have low interest rates and fees and you can qualify with as little as 5% down. With nearly 35 years experience in lending and finance, we can show you how to use these loans to save you thousands and thousands of dollars each year.
A jumbo loan is a loan that exceeds $417,000 and can go up to multi millions. These types of loans must be carefully managed due to the amount of money and the high value asset. The wrong loan structure can cause a huge waste of money. Our jumbo loan is truly the best of the best. It starts with as little as 10 percent down, has extremely low jumbo mortgage rates, and requires NO MORTGAGE INSURANCE. It is truly in a league of its own. If you are purchasing a premium home and are in need of jumbo financing, you will want to consider this loan. Not everyone qualifies for this program. But those who do can save BIG on their home mortgage. I am the jumbo loan expert in Utah and I can help you find the best option.
This government sponsored product is great for first time home buyers or those who don’t qualify for conventional financing. FHA loans are typically 30 year fixed options. The advantage of using an FHA mortgage is the low down payment requirement of only 3.5%. There is also a streamlined refinance option at no cost, if mortgage rates drop after you close your loan. This loan is also transferable to future buyers who qualify. It’s a great feature when you decide to put your home on the market because you can offer your low rate mortgage to potential buyers.
A VA loan is one of the greatest benefits to our soldiers and veterans. We are very proud of our military men and women and we offer the lowest VA mortgage rates and fees you will find. In addition, we offer military discounts for our services and take great pleasure in helping our vets. The great advantages of VA loans include 100% financing with no money down, a very low interest rate and in some cases no up front funding fee. As an expert, I understand this loan very well and can offer additional assistance and advice on how to structure this type of financing for maximum benefit to our vets. If you are a vet or member of our military, our sincere thanks for your service. Let us help you get the benefits you deserve.
You can purchase a home with no money down using financing from Utah Housing Corporation. This is a great option that has recently been redesigned to offer many mortgage options to people looking for a no-money-down home loan option. The interest rates are low and you can use this type of mortgage to purchase a home anywhere in Utah with no money out of pocket. In order to use this type of loan in the most beneficial way, you have to consider all of the options. Fortunately, I am a Utah mortgage expert! Give me a call, I would love to help you understand your Utah mortgage options.
Home refinancing can be highly beneficial in so many ways. Whether you want to restructure debt, access some home equity or simply lower your mortgage rates or terms, a refinance can be a great tool. Does it make sense to refinance? Great question! With so many things to consider and so much inaccurate information regarding these loans, the best option is to talk to a trusted advisor. Get real, honest answers so you have good options and are able to make the right decision. I can help explain the myths of refinancing and discover if this type of loan is the best for your goals. It might make sense to refinance and there may be better options for you. I’m here to help you find what is best.

Recent Mortgage Articles

Qualify for A VA Loan

Who qualifies for a VA loan? When it comes to home loans in Utah, a VA home loan is often the best option.  These loans have some of the lowest mortgage rates and best terms when compared to any other home loan products including conventional, FHA, USDA and...

Do you need to get a pre qualified mortgage?

Shopping for a home without a pre qualified mortgage is very risky.  You put your money and your sanity on the line. Please get a Pre Qualified Mortgage letter.  Let me explain why:  Let's say that you want to buy a home.  It only feels natural to start looking in...

Six Questions That Block Buyer Offers

These days, clients need real estate agents to tackle their biggest questions, no matter how closely (or loosely) related to their real estate license, says a recent article by TruliaBut which questions should Realtors be ready to answer? Trulia lists six questions...