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Getting a home mortgage loan to buy your new house...

Get your mortgage loan process started today!

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

 


Yes, We Are Making New Home Loans Every Day!
 

The biggest hurdle lenders and buyers are facing today is getting your loan funded. Most loans get hung up or do not fund because the underwriters refuse to underwrite the loan, even with excellent credit and everything perfectly in place.
 

That's where we differ from other lenders - we have IN-HOUSE UNDERWRITING which makes all the difference in the world to you being able to get your loan and buy your home.


 

Types of Loan Programs Available:

    • Conventional
    • Jumbo
    • Investment Properties
    • First Time Homebuyers
    • Construction Loans
    • Lot Loans
    • FHA & VA
    • Rural Housing
    • Home Equity
    • Stated Income
    • Self-employed
    • Bad Credit

 


 

Your home loan Pre-Qualification starts here.
 
 

Please fill out the fields below and we will respond
to your request for Pre-Qualification within 48 hours.

We take our clients' financial privacy very seriously. During the course of processing your application we accumulate nonpublic personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those who need to know that information to provide products or services to you. We maintain physical, electronic,
 and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a credit reporting agency. We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.  Transmission of this form constitutes acceptance of the terms of this privacy policy.
First Name:
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Evening Telephone:
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Email listings@homesforsaleutahcounty.com

 

Real Estate Agents List Your Properties

 

 

 

 

Common Questions & Answers

Q? What is the lowest credit score a borrower can have today and still qualify for a home loan?
A: Mid Fico Score - 5400

 

Q? What is the maximum cumulative loan to value (CLT) a borrower can have?
A: 97% loan to value

 

Q? What is the maximum debt to income ratio a borrower can have and still qualify for a home loan?
A: 50% front end - 50% back end

 

Q? How does a bankruptcy or foreclosure affect the ability a borrower has to purchase another home?
A: 2 year minimum from discharge date for bankruptcy, 3 year minimum from date of foreclosure

 

Q? How long does a property have to be off of the MLS in order to qualify for refinancing?
A: 6-12 months, depending on the program chosen.

Q? What are the requirements for manufactured home loans?
A: 80% loan to value currently available.


 

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