Residential Financing Designed For You

My Promises to You:

Whether you are buying a home, acquiring investment properties, seeking to pay off your mortgage more quickly, consolidating your debt, or just lowering your house payment, my job is to help you make your financial life better in an easy to understand way!

Help you get the best financing deal available

Do what I said I would: rate, fees, etc

Return your phone calls, emails, texts, etc. in a timely manner

Help your friends, family members, neighbors, and co-workers with the same integrity

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Whatever you need, our team can help!

USDA

This is another 100% financing loan offering really great interest rates. It’s so good in fact, that in most cases, the monthly payments are even lower than a comparable conventional loan with a 3% down payment.

Loan to Own

Loan to Own is only for Utah County and works in all cities except Eagle Mountain, Alpine, & Fairfield.

Conventional

Just like vanilla ice cream, this is the most popular program available. Conventional loans are mostly homologous across the country.

FHA

The interest rates on FHA loans are almost always lower than similar scenarios on conventional loans. Consequently, FHA is always worth having a look at.

VA

A home loan through the Veteran’s Administration is quite frankly the best loan you can get. And if you qualify for one, I thank you for serving our country.

Utah Housing

The interest rate will be higher on these loans but they are more lenient than other 100% financing programs, which makes Utah Housing extremely popular with many of my clients.

Construction Loans

Construction financing is used to build a home on a parcel of land that you are purchasing or already own, and where you will contract with a builder to manage the project for you to completion.

Interest Rate Buydowns

There are two types of buydowns, temporary and permanent. The permanent buydowns cost more because they last for the duration of the loan.

Cash Our Refi

My job is to assist you in making the most of the hurdles that life presents and negotiate your way to finding the best available value with your resources.

Refinance

Sometimes market conditions are such that it makes fiscal sense to swap your current home loan for something more efficient. Almost always, that prospect includes a lower interest rate.

Reverse Mortgages

These loans can be a great tool for people who are buying a home but don’t want to make monthly payments, nor spend more of their cash than needed.

Jumbo Loans

This is when you want to borrow more than the conventional conforming limit will allow.

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Our Mission

My vision for our interactions together is that, whether I am able to help you get a loan or not, you are so wildly pleased with your newly-enlightened understanding that you will enthusiastically introduce everyone you know to me for the same experience.

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What Our Clients are Saying

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Frequently Asked Questions

What documents do I need to get pre-approved for a loan?

In most cases, you’ll need to provide:

Most recent two pay stubs from your job. Make sure they show gross, net, and year-to-date earnings
W-2s and federal tax returns (personal & business, if applicable) for the last two years
All pages of a recent bank statement, showing where any down payment funds would be coming from
Photo ID
Divorce Decree, if applicable

How can I qualify for a larger amount?

Lowering monthly payment obligations (i.e., Care payments, Credit Card debt, Student Debt) is one way. Another is to beef up your down payment funds. Lastly, increasing the qualifying income goes a very long way. To wit: getting a raise, a higher-paying job, or having someone co-sign with you all help. A lower interest rate will also do wonders.

What are the general qualifications to receive a mortgage?

Earn money and manage it well. Generally speaking, your monthly income needs to be at least 2.5x the anticipated monthly house payment and the credit score needs to be above 620 FICO. The new house payment plus all other monthly debt obligations (including child support/alimony but excluding utilities and extraneous insurance) will need to stay under 36%-55%, depending on the loan program.

How long Does it usually take to get a Mortgage?

While the law says you need to wait at least seven business days from the time you sign the initial application documents, generally speaking, it takes two to four weeks from start to finish. I have closed a number of loans in seven business days though.

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Got a question?
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Give us a call at (801) 830-0083 or send us a message using our form and we will get back to you!