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Best Mortgage Brokers in Ogden

2023

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Website
1086 E Hwy 193 Suite 102, Layton, UT 84040
  • Refinance

Why choose this provider?

Beam Lending helps clients in Ogden find the right kind of mortgage they need. It offers mortgages for those who want to buy a house or need help with refinancing. Reverse mortgage is also available. In addition, clients have the option to choose from conventional and government-backed loans, such as USDA, FHA, and VA programs. The company's president, Brodie Calder, carries a Bachelor's degree in Business Finance and has been in the mortgage industry for over ten years.

License Verified:

License: 1104582

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (53)
Google
4.8 / 5 (26)
Zillow
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1747 Heritage Lane, Suite B202, Syracuse, UT 84075
  • Refinance

Why choose this provider?

Econ Mortgage caters to residents of Ogden and neighboring communities. It serves first-time home buyers and families and individuals who are looking to refinance their homes. It offers a variety of loan options, such as VA and FHA loans. It aims to streamline the loan process by giving clients access to online mortgage tools. Owner Phillip Burnett is a loan officer with more than 15 years of experience in the mortgage industry. He is a lifelong resident of Weber/Davis County.

License Verified:

License: 1709162

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (72)
Facebook
5.0 / 5 (55)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2355 S. 1900 W. Suite B, West Haven, UT 84401
  • Refinance

Why choose this provider?

Loans Can Be Fun is a mortgage broker serving Ogden. It helps home buyers find financing through a conventional, USDA, or FHA loan from Fairway Independent Mortgage Corporation. Options also include FNMA HomeStyle and reverse loans for customers who are, respectively, looking at renovating their home or cashing out on its equity. The brokerage focuses on making customers’ experiences fun through gestures like sending gift baskets to celebrate mortgage milestones. Founder Allison Olsen is an MBA graduate who has been in the industry for over a decade.

License Verified:

License: 187879

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (139)
Zillow
5.0 / 5 (107)
Facebook
5.0 / 5 (91)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2334 S. 600 W, Syracuse, UT 84075
  • Refinance
  • New Construction

Why choose this provider?

Advantage Mortgage Home Loans serves the community in Ogden and its neighboring cities. It attends to the mortgage needs of home buyers and sellers, refinancing clients, and home builders. It offers a variety of products like VA, FHA, USDA, and jumbo loans. It also assists people seeking a 30-year fixed-rate loan. The home purchase qualifier and refinance rate checker tools on its website are created to help borrowers determine the type of loan they can afford.

License Verified:

License: 274530

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
846 South Main Street, Bountiful, UT 84010
  • Refinance
  • New Construction

Why choose this provider?

CFG Home Loans is a locally owned and operated mortgage company serving clients in Ogden and the surrounding areas. It assists families and individuals looking to purchase a property through home mortgage financing. It also offers reverse mortgage options for seniors who want to take out the money in their home equity and VA loans for those who have served in the United States Armed Forces. CFG Home Loans is a member of NAMB and has been in the industry for over 20 years.

License Verified:

License: 3146

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (243)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2156 N Hill Field Rd, Layton, UT 84041
  • New Construction

Why choose this provider?

Uniform Services Veterans Mortgage serves the community in the Ogden metro and neighboring areas. It aims to help veterans and their families realize their dream of homeownership by educating them on taking advantage of their VA benefits. Its mortgage specialists assist first-time military homebuyers in navigating the VA home loan process and help them avoid the different issues that come with traditional loans. They also offer VA refinancing options, such as VA IRRRL and cash-out loans.

License Verified:

License: 1022989

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (170)
Facebook
4.5 / 5 (34)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
920 W Heritage Park Blvd Suite 120, Layton, UT 84041
  • Reverse Mortgage
  • Purchase
  • Refinance

Why choose this provider?

Utah Independent Mortgage Corp. caters to the home financing needs of Ogden residents. It assists with purchase, refinancing, and rehab loans, including first-time homebuyer, FHA, Jumbo, VA, and fixed-rate loans. The independent mortgage brokerage does the legwork of evaluating available loan products from multiple lenders to find options that match the client's qualifications and financing needs. It focuses on open communication and being accessible to guide clients throughout the process. Principal broker and owner Nelson Barss has been in the mortgage business for 18 years.

License Verified:

License: 1795032

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (106)
Facebook
0.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1075 S 500 W, Bountiful, UT 84010
  • Refinance

Why choose this provider?

Sam Fulton operates under the UMortgage banner and has lending services for the residents of Ogden. He refinances current debts to take advantage of improved contemporary rates and delivers a variety of new borrowers' options, such as 15- and 30-year fixed mortgages. Adjustable-rate choices are available, and the crew has government programs insured by FHA. The mother company maintains online tools and resources to facilitate pre-approval processes and determine the mathematical aspects of each loan.

License Verified:

License: 1823157

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (34)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2941 S 100 W, Bountiful, UT 84010
  • New Construction

Why choose this provider?

Utah Mortgage Resource is a local broker that assists borrowers in the Ogden metro. Its strategy involves managing the loan application, estimate, papers, appraisal, closing disclosure, and funds for clients. It offers jumbo, VA, FHA, and USDA loans, as well as home renovation and conventional mortgages. Utah Mortgage Resource uses Homebot, a once-monthly tailored breakdown of its clients' loan information. It contains information on the home's estimated worth, loan debt, pre-qualification, lock rates, and rental options.

License Verified:

License: 1838283

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (48)
Google
5.0 / 5 (38)

Website
1448 N 2000 W Suite 2, Clinton, UT 84015
  • Refinance

Why choose this provider?

Bob Kirkman, a mortgage professional, leads a team of brokers who has been assisting borrowers in Ogden for more than 15 years. The brokers offer a variety of mortgages to match clients' financial situations and buying goals. Among the mortgage products available are FHA, VA, RHS, conforming, conventional, and state and local housing programs. Kirkman's team also assists homeowners who want to refinance an outstanding loan for various purposes, such as consolidating debts, shortening terms, and lowering interest rates.

License Verified:

License: 314428

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (139)
Facebook
5.0 / 5 (6)
Zillow
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
49 E 800 N, Bountiful, UT 84010
  • Refinance

Why choose this provider?

Since 2019, Fast Track Mortgage has been dealing with clients throughout Ogden. The company addresses the concerns of aspiring homeowners regarding the mortgage application process and explains the differences between loan programs backed by government agencies like the USDA, FHA, and VA. It also offers specialized loans for borrowers in the healthcare profession that takes into consideration their student loan debt. Chad Knowles, its owner, previously worked for over five years as a mortgage loan originator under the firm At Home Discount Mortgages.

License Verified:

License: 1847199

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (51)
Facebook
5.0 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3852 S Washington Blvd, South Ogden, UT 84403
  • Refinance

Why choose this provider?

Village Mortgage Inc. is a locally owned brokerage serving Ogden. Its team works with borrowers throughout the home loan process, from comparing various programs to handling the paperwork on their behalf. The mortgage advisors have access to products from more than 35 lenders, allowing them to find suitable options to meet clients' individual needs. Village Mortgage offers programs for individuals with imperfect credit scores and those planning to purchase manufactured homes. ITIN home loans for foreign nationals without visas or green cards are also provided.

License Verified:

License: 91658

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (55)
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.

  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.