Expertise.com

Best Mortgage Brokers in Sandy

2023

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Website
138 E 12300 S Suite 385, Draper, UT 84020
  • Refinance

Why choose this provider?

The Lending Co. handles the mortgage needs of clients in Sandy and the neighboring communities. Its team helps individuals purchase homes suitable for their financial goals and family needs by offering various loan programs, including FHA, USDA, VA, and conventional. These loan programs are available for residential property types, including condominium units, single- and multi-family homes, townhouses, and manufactured homes. The company also guides homeowners seeking assistance to refinance their current mortgage loans to change their rates or interests.

License Verified:

License: 2285809

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 (46)

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
11075 S. State Street Building Three, Sandy, UT 84070
  • New Construction

Why choose this provider?

Laser Lending is a Sandy mortgage brokerage firm. The company's home loan offerings—which include fixed-rate, ARM, interest-only, Jumbo, graduated payments, and government-backed mortgages—help individuals and families afford their dream homes. Its mortgage brokers assist individuals in determining the best mortgage for their income, credit score, and financial situation. The team also provides mortgage refinance programs to individuals looking to pay off their current mortgage quicker. Mark Larson and Griffin Dutson—the company's founders—have over 50 years of combined real estate and finance experience.

License Verified:

License: 196560

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 (68)
Zillow
5.0 / 5 (7)
Yelp
5.0 / 5 (1)

Website
5445 S 900 E #217, Murray, UT 84117
  • New Construction

Why choose this provider?

Sundance Lending Company is a woman-owned business serving the homeownership plans of people in the Sandy community. It assists individuals and families in the process of buying homes or refinancing existing loans. Founder Stacey Van Roosendaal and her team create customized mortgage solutions for first-time borrowers and clients undergoing a divorce. Stacey established the company in 2019 and has been the recipient of the Above and Beyond Award from the Make-A-Wish Foundation.

License Verified:

License: 1904537

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 (68)
Facebook
5.0 / 5 (47)

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
Draper, UT 84020
  • Refinance
  • New Construction

Why choose this provider?

Affinity Alliance is a mortgage and real estate brokerage company serving clients in Sandy. The company provides a variety of loan programs for home purchase and refinancing purposes. Some of its mortgage products include Conventional, Jumbo, Reverse, non-conforming, construction and land, and high balance loans. The team also provides government-sponsored loans such as FHA, VA, and USDA. Robbie and Alice Joly—the company's husband-and-wife owners—established the business in 2001 with the goal of helping individuals and families find and afford their dream homes.

License Verified:

License: 273432

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 (50)
Facebook
5.0 / 5 (6)

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
9557 S. 700 E. Suite 200, Sandy, UT 84070
  • Refinance
  • New Construction

Why choose this provider?

Independent Home Loans is a Sandy-based company that provides residential and commercial financing solutions. It offers loan options for different types of clients, including veterans, first-time homebuyers, and individuals looking to purchase homes in rural locations. Its team also helps clients apply for physician loans, which suit medical professionals in residency or those who have been practicing for years. Cam Cope and Trace Wilkinson, Independent Home Loans' senior loan officers, have more than 17 years of industry experience combined.

License Verified:

License: 1887282

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 (44)
Zillow
5.0 / 5 (30)

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
11075 S State St Bldg 2, Sandy, UT 84070
  • Refinance
  • New Construction

Why choose this provider?

South Towne Mortgage serves the home lending needs of clients in the Sandy metro. The company comprises mortgage agents who walk clients through the home loan process to help them choose the loan option that is right for their families. They assist clients with their buying, refinancing, or customized lending needs. They offer conventional loans, which have low-interest rates, periods, and fees but are not guaranteed by the government. Additional loan programs are VA, USDA, second mortgages, FHA, and reverse mortgages.

License Verified:

License: 1843923

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 (25)
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

Website
9730 S. 700 E. Ste. 101, Sandy, UT 84070
  • Refinance
  • New Construction

Why choose this provider?

Alliance Lending Services caters to individuals and families throughout the Sandy community and the nearby cities. It offers various mortgage loan options to help clients purchase primary residences, investment homes, and vacation houses, such as townhouses, single families, and manufactured homes. These loan options include FHA, USDA, VA, and conventional. Refinancing services are also available for homeowners wishing to change or update their current mortgage loans. Alliance Lending Services has been in the industry for more than two decades.

License Verified:

License: 304510

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 (160)
Facebook
5.0 / 5 (35)
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

Website
8899 S 700 E #125,, Sandy, UT 84070
  • Reverse Mortgages
  • Refinance

Why choose this provider?

Atlas Mortgage Solutions serves individuals and families in Sandy. It helps clients apply for home loans, reverse mortgages, and refinancing. Jim Middleton, who has been in the home lending industry for over 20 years, runs the company. To better assist customers, the firm strives to understand the market and provide clients with advice that is appropriate for their situation. Atlas Mortgage Solutions collaborates with a variety of lenders, including United Wholesale Mortgage, AmWest Funding, Sierra Pacific Mortgage, Provident Funding, and Finance of America Reverse.

License Verified:

License: 308708

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 (24)
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
8649 S 1300 E #202, Sandy, UT 84094
  • Refinance

Why choose this provider?

Vision Mortgage caters to people throughout the Sandy area. It educates them on their mortgage options and explains the differences between loans backed by government agencies, like the VA, FHA, and USDA. It also guides aspiring homeowners aiming to qualify for a jumbo loan to help them finance the purchase of properties in high-cost neighborhoods. The company works with other clients seeking to refinance their mortgages, and its experts have more than two decades of combined industry experience.

License Verified:

License: 3124

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 (9)
Yelp
5.0 / 5 (2)

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
7390 S Creek Rd 201, Sandy, UT 84093
  • Refinance

Why choose this provider?

Houzd Mortgage caters to clients in the Sandy area. The company helps them purchase properties through loan programs guaranteed or insured by various government agencies, including the USDA, FHA, and VA. It also offers conventional and jumbo mortgages. For first-time homebuyers struggling with finances, the company assists them in qualifying for state down payment assistance programs. Houzd Mortgage has been operating in the industry for more than a decade. One of its team members, Carter Campbell, holds a bachelor's degree in Business Administration.

License Verified:

License: 888979

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 (847)

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
8645 S. Harrison St., Sandy, UT 84070
  • Refinance

Why choose this provider?

American Loans & Mortgages caters to residents in Sandy who are seeking a variety of services. These solutions include refinancing to obtain more manageable terms and conditions for fulfilling existing debts. The team has lending programs that are fit for senior citizens, home builders, and remodelers. Plans aimed at property investors and commercial players are also available. The company has been active in varying locales across the state for more than 27 years. It has a blog with informative articles that discuss house purchase matters.

License Verified:

License: 245422

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
4.8 / 5 (68)
Yelp
3.0 / 5 (4)

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
172 N East Promontory, Ste. J-285, Farmington, UT 84025
  • Refinance
  • New Construction

Why choose this provider?

Adam West is a senior loan originator with UMortgage who serves clients in Sandy and the surrounding communities. West connects borrowers with a network of lenders for their home purchase and refinancing loan needs. He guides them to find loan options based on their unique criteria and scenario. Loan options include 15-year and 30-year fixed-rate, and adjustable-rate mortgages as well as FHA, VA, and jumbo loans. UMortgage utilizes a web-based POS, LOS, and pricing engine.

License Verified:

License: 1790355

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 (91)
Facebook
5.0 / 5 (54)

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.