Welcome

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Rates are updated when significant movements take place. Unless there is tremendous movement in the 10 year treasure (Red is good, Green is bad for mortgages), rates will typically stay within 0.125% for each program.  Your rate might differ based on credit score, value of the home compared to the loan amount (Loan-To-Value), transaction type (purchase, refinance, cash out refinance) and occupancy (Primary residence, second home, investment (rental) property).  

Please text or call (801) 448-3800 for specific rates for your scenario.  If you have worked with me before, you know I am just looking to help where I can.

Purchase

We do quite a few purchase transactions every year.  From No Down Payment required to significant down payments to avoid PMI (Mortgage insurance), we can help you with all of it.

Also, if you don't have a real estate agent yet, to find out how you can save money.....Contact us

Rate and Term Refinance

A Rate and Term refinance is either a lowering of your interest rate (lowers your monthly payment) and/or reducing the term of your mortgage (say your current 30 year fixed rate to a 17 year, 12 year, etc.) 

Cash Out

A Cash Out Mortgage is known by many different names, Consolidation, Cash Out, Debt Reduction....at the end of the day, it means you are going to reduce your equity by taking money out of your home.  Some people pay off current debt (auto loans, credit cards, etc.) while others use the money to purchase second homes, investment properties (rental properties) and even purchase commercial businesses or stocks and bonds.

Reverse Mortgage

A reverse mortgage is often a confusing proposition.  In a nutshell, it is the "reverse" of your current mortgage....Instead of paying a monthly mortgage payment, your home pays you a monthly mortgage payment.  You can often liken it to an annuity.

Reverse Mortgage Purchase

This is where a senior (62 +) puts down enough cash on the purchase of a home that they can qualify for a reverse mortgage (no monthly mortgage payment).  That down payment is typically about 50%.  It differs with age.  The older someone is, the less they have to put down as a down payment.

Reverse Mortgage Refinance

There are many different possibilities with this situation.  They range from simply halting the current mortgage payment to halting the current mortgage payment WITH a monthly pay out to you, a line of credit, paying off other debts or all of the above.

Oh, did I mention I do commercial loans as well