Services
Refinance
If you’re curious about current mortgage refinance rates, you have a few options for locating this information – some better than others.
You can search the internet for mortgage refinance rates in Utah. However, the information you find will be generic, helpful only for the purposes of comparing rates over time. In fact, potential borrowers could be misled by these generalized rate quotes and discover much later that their actual refi interest rate is much higher than the one originally quoted.
A more accurate way of determining the current interest rate for a mortgage refinance loan is to call me. As an independent mortgage broker, my team and I can provide a customized and personalized quote in just minutes on the phone. This quote will more accurately reflect the rate you can expect to pay. Based upon the information you provide us, we can create a few options. We are able to shop rates for you and create a personalized mortgage to help you achieve your financial goals. We also offer mortgage refinancing and no-cost mortgage financing.
Purchasing
In Utah, whether you’re a first-time homebuyer or you have decades of mortgage history, applying for a home loan can be a daunting process. Selecting the right loan program for your needs can also pose a challenge, especially when you have dozens of mortgage loan programs to choose from.
Home loans come in a vast array of sizes, shapes, and configurations. The loan program you chose will depend on your needs and your qualification as a borrower. For purchasing a home, you can select from conventional and government-sponsored programs such as FHA, VA and USDA mortgages. You can choose your desired loan term, ranging from 15 to 30 years, and select a fixed or adjustable interest rate.
For higher-priced properties, you may need a jumbo home loan, depending on the purchase price and which Utah county the property is located in. For example, $453,100 requires a jumbo program in most Utah counties. However, that amount increases to $600,300 in Salt Lake County and $679,650 in Summit County. You may be in the market for a reverse mortgage, a second mortgage or HELOC, a construction or a home renovation loan – or maybe you need a mortgage for a Utah investment or rental property. Whatever type of home loan you need, as your Utah mortgage broker, my team and I can help find the perfect fit for you. My most popular programs are as follows:
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Construction Loans/One-time close options
Down Payment Assistance
Jumbo Loans
ITIN/DACA and Foreign National
Reverse Mortgages and Retirement Planning
Investment Loans
Construction
Building a home means spending a lot of time selecting house plans, picking cabinets, and communicating with contractors. Luckily, while building a home in Utah requires a lot of work, choosing a construction loan isn’t nearly as hard. My experience with construction loans allows my team and I to guide you through the sometimes complicated process, saving you time and money. We will keep your dream home on schedule bringing you home, faster. Our consumer construction loans offer some of the most competitive rates available in Utah. Give me a call to see if a construction loan is right for you.
ITIN - Foreign National
Did you know that non-citizens can get a mortgage loan in the United States? Depending on your immigration status, home loan options may include conventional, FHA, VA and. ITIN loans are also available to those who have an individual taxpayer identification number instead of a U.S. Social Security number. Don’t have an ITIN? That’s ok, we also have some options for those that just have a passport and visa. Hableme y le podria ayudar.