Expertise.com

2024

Last updated:

Best Mortgage Brokers in Orem

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Orem Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

34Reviewed

25Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

405 E 12450 S, Suite E, Draper, UT 84020
WebsiteLicense: 1915420

Expertise.com Rating

Review Sources

Google
5.0 (92)

Why choose this provider?

Lifestyle Lending is a Utah-based mortgage brokerage that simplifies the application process for individuals and families in Orem. Through wholesale product options, the company guides homebuyers planning to secure government financing programs, jumbo loans, ARMs, and FRMs. Additionally, it supports the investment goals of clients purchasing their first rental property and those who have been regularly investing. Lifestyle Lending has been operating since 2019 and has a multi-state reach, serving Montana, Idaho, California, Colorado, and Texas.

  • Refinance

1016 N 1020 E, Pleasant Grove, UT 84062
WebsiteLicense: 270860

Expertise.com Rating

Review Sources

Google
5.0 (212)
Facebook
5.0 (39)

Why choose this provider?

Utah Home Loan Guy caters to clients throughout Orem. It offers various loan programs for homebuyers, such as FHA, VA, jumbo, conventional, and USDA. It also helps owners of single-family and multifamily units, condominiums, and townhouses who wish to lower their interest rates or take cash out of their equity by providing them with various refinancing options, including FHA cash-out and streamline, USDA streamline, and VA cash-out and streamline. Mortgage consultant James Sly has over 17 years of industry experience.

  • Refinance

1982 W Pleasant Grove Blvd, Ste H, Pleasant Grove, UT 84062
WebsiteLicense: 1623316

Expertise.com Rating

Review Sources

Google
5.0 (240)

Why choose this provider?

Creekside Mortgage serves individuals, couples, and families throughout Orem and the surrounding areas. Its mortgage consultants have over 40 years of combined experience in mortgage lending, and they compare loan options from 73 wholesale lenders to help customers receive suitable rates and fees that match their particular needs and goals. These options include fixed- and adjustable-rate mortgages, jumbo, FHA, USDA, and VA loans. Reverse mortgages are also available for seniors age 62 and older. The firm also helps clients through the entire home refinance process.

  • New Construction

508 W 800 N, Orem, UT 84057
WebsiteLicense: 3112

Expertise.com Rating

Review Sources

Zillow
5.0 (1007)
Google
4.9 (421)
Facebook
4.9 (182)

Why choose this provider?

First Colony Mortgage has been taking care of the lending needs of individuals, couples, and families throughout Orem and nearby metros since 1984. It matches clients with suitable loan options to help them reach their homeownership goals. These include FHA, conventional, Utah Housing, RDA, Va, and reverse mortgages. In addition to processing mortgage applications, the firm also underwrites, funds, and closes mortgage loans. First Colony Mortgage currently maintains 17 locations and has funded 60,000 homes since its establishment.

  • New Construction

384 S 400 W, Ste. 100, Lindon, UT 84042
WebsiteLicense: 1109426

Expertise.com Rating

Review Sources

Google
4.9 (2106)

Why choose this provider?

Low VA Rates is a local mortgage firm serving veterans and servicemembers throughout Orem and the neighboring areas. Its agents walk clients through the entire process of applying for a VA home loan, from helping them meet VA eligibility requirements and finding a lender to obtaining a VA appraisal and moving into their new homes. They also help with VA streamline and cash-out loans for clients looking into refinancing their current mortgages. The firm also has locations in Texas, Nevada, Hawaii, and Missouri.

  • New Construction

1261 South 820 East Suite #200, American Fork, UT 84003
WebsiteLicense: 1569026

Expertise.com Rating

Review Sources

Google
4.9 (2023)

Why choose this provider?

Simplify Home Loans LLC caters to clients in and around Orem. It helps homeowners and first-time homebuyers navigate the complexities of home loan processing. Its lending specialists provide loan information to clients and aid in comparing rates and choosing the financial plan that matches their homeownership or financing needs. Mortgage programs offered include FHA, HARP, USDA, jumbo, and reverse loans. Refinancing options are also available for clients with existing loans. Simplify Home Loans has been helping borrowers since 2016.

  • Reverse Mortgages

576 State St, Orem, UT 84058
WebsiteLicense: 239608

Expertise.com Rating

Review Sources

Facebook
4.7 (111)
Google
5.0 (70)
Zillow
5.0 (37)

Why choose this provider?

Bliss Sawyer is a loan officer at the Security Home Mortgage who accommodates first-time homebuyers, real estate investors, self-employed borrowers, and medical professionals in Orem and its surrounding areas. For over 25 years, she has been providing various home loan programs, such as jumbo, security plus approval, alternative financing, commercial lending, home renovation loan, and reverse mortgages. She guides customers in refinancing, selling, or buying several properties, like multi-family units, commercial buildings, and retail stores. Security Home Mortgage has been in operation since 1999.

  • Commercial Loans

813 N 900 W, Orem, UT 84057
WebsiteLicense: 3152

Expertise.com Rating

Review Sources

Google
5.0 (180)
Facebook
4.8 (72)

Why choose this provider?

Superior Lending Associates, LC, has been serving clients in the Orem metro and the surrounding areas since 2001. Founder Miles Pitcher and his team offer a wide variety of mortgage loan options for homebuyers and homeowners, including mortgage refinancing, conventional, FHA, VA, and USDA. Reverse mortgages are also available for seniors aged 62 years and over. Since it started in the industry, Superior Lending Associates has funded over $10 million in loans and helped thousands of customers.

  • Refinance

172 N E Promontory j 285, Farmington, UT 84025
WebsiteLicense: 1790355

Expertise.com Rating

Review Sources

Facebook
5.0 (54)

Why choose this provider?

Adam West is a senior loan originator serving mortgage applicants in Orem. He represents UMortgage, a brokerage firm that caters to first-time homebuyers and credit-challenged borrowers. He streamlines the loan process by providing pre-approval screening, online application assistance, customized quotes, rate comparison, and property evaluation. West finds lending programs that match clients’ financial situations and homeownership goals. He offers fixed-rate, adjustable-rate, jumbo, VA, and FHA programs. He also discusses loan details with clients and reviews offers from outside lenders.

  • New Construction
  • Refinance

242 W 1000 S, Lehi, UT 84043
WebsiteLicense: 2396714

Expertise.com Rating

Review Sources

Facebook
5.0 (144)
Google
4.9 (132)
Zillow
5.0 (127)

Why choose this provider?

Work Harding Home Mortgage Team delivers comprehensive solutions to people in Orem. Its president, Ryan Harding, and his team help homebuyers choose from various financing options, such as Utah Housing's 0% down loan and reverse mortgage. They also guide clients in resolving their mortgage concerns during divorce, securing financing for solar upgrades, and refinancing current loans. Harding has been catering to the loan needs of the community since 2004. He holds a degree in Business Finance.

  • Refinance
  • New Construction

321 E State St Suite 100, American Fork, UT 84003
WebsiteLicense: 1770793

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
4.8 (12)

Why choose this provider?

Utah Mortgage Pros is an American Fork-based brokerage that serves borrowers in Orem and nearby communities. It assists clients with loans for buying primary residences, vacation homes, and rental property. It also assists borrowers who want to refinance their homes to lower monthly payments, pay off debts faster, obtain cash out, or avoid mortgage insurance. Owner Darin Rhodes operates Utah Mortgage Pros with the help of Eric Halliday. Both have been in the mortgage industry for two decades.

  • Refinance

852 South Main Street, Pleasant Grove, UT 84062
WebsiteLicense: 353774

Expertise.com Rating

Review Sources

Google
4.8 (34)

Why choose this provider?

Augusta Lending is a mortgage broker serving first-time home buyers and homeowners. It offers refinancing to Orem clients for a variety of reasons, including paying off high-interest credit cards, eliminating mortgage insurance when applicable, switching from a government loan to a conventional type, consolidating two mortgages into one, transferring from an adjustable rate to a fixed rate or vice versa, or reducing the term from 30 years to 15 years. Augusta Lending believes in the American Dream of Homeownership and focuses its practice on education and guidance.

  • Refinance

FAQs

  • 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.