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Best Mortgage Brokers in West Valley City

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Alliance Lending Services logo
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License Verified:

License: 304510

Nationwide Multistate Licensing System and Registry

Alliance Lending Services

9730 South 700 East, Sandy, UT 84070
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  • New Construction
  • Refinance

Business Description

Alliance Lending Services is a team of mortgage professionals in West Valley City with more than 20 years of experience. This mortgage firm in Utah helps clients in purchasing a new house, cashing out their home equity, or refinancing their mortgages. It offers jumbo loans, interest-only loans, fixed-rate loans, USDA loans, VA loans, and FHA home loans. In addition, it provides clients with an option to apply online that connects them directly to loan officers and Realtors.

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 (149)
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
Anthony VanDyke logo
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License Verified:

License: 888979

Nationwide Multistate Licensing System and Registry

Anthony VanDyke

7390 Creek Road, Sandy, UT 84093
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  • New Construction
  • Refinance

Business Description

Anthony VanDyke is a mortgage broker associated with ALV Mortgage who serves West Valley City and the surrounding areas. He is an experienced broker that has been working for over 15 years in the industry. He offers services to residential and investment clients in both Utah and California. These include FHA, VA, jumbo, and USDA rural development loans. Anthony also actively gives back to the community by supporting organizations like A Child's Hope Foundation and the Make-A-Wish Utah Foundation.

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.
5.0
Facebook
5.0 / 5 (15)
Yelp
4.5 / 5 (11)
Google
4.8 / 5 (5)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Christian Roberts Mortgage logo
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License Verified:

License: 3138

Nationwide Multistate Licensing System and Registry

Christian Roberts Mortgage

512 East Winchester Street, Murray, UT 84107
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  • Refinance
  • Reverse Mortgages

Business Description

Christian Roberts Mortgage is a brokerage firm that serves clients in West Valley City and nearby locations. It assists and guides clients through the home loan process, giving them various mortgage options available. Christian Roberts Mortgage's loan programs include construction loans, home equity loans, conventional fixed-rate mortgages, adjustable-rate mortgages, and refinance mortgage loans. Steven Robert Saxton is the managing partner of the firm, and many clients have worked with him multiple times, citing his responsive service.

License Verified:

License: 3138

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 (236)
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
Cinch Home Loans logo
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License Verified:

License: 399255

Nationwide Multistate Licensing System and Registry

Cinch Home Loans

11576 South State Street, Draper, UT 84020
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  • Refinance

Business Description

Cinch Home Loans is a Draper-based team of mortgage broker professionals. It handles home purchasing loans and refinancing. Cinch Home Loans offers mortgage origination services to clients in West Valley City with good credit history. It deals with wholesale lenders and makes wholesale interest rates accessible to its clients. It also serves in Salt Lake County, Utah, Colorado, California, Florida, and Idaho. Cinch Home Loans also partners with the Make a Wish Foundation to grant children's wishes in Utah.

License Verified:

License: 399255

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 (41)
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
City Creek Mortgage logo
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License Verified:

License: 85855

Nationwide Multistate Licensing System and Registry

City Creek Mortgage

11910 State Street, Draper, UT 84020
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  • Refinance

Business Description

City Creek Mortgage offers mortgage services in West Valley City. Tobi and Mike Roberts founded the business to provide various purchase loan programs such as conventional, FHA, and VA loans. Some of its benefits are fixed-rate or adjustable-rate mortgages, no-downpayment-required loans, and loan terms that are available from 8-30 years. City Creek Mortgage also offers refinancing services for clients looking for lower monthly payments, lower interest rates, cash-out refinance assistance, and a way to consolidate debt.

License Verified:

License: 85855

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
4.0 / 5 (2235)
Facebook
5.0 / 5 (191)
Yelp
4.0 / 5 (23)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Community Lending Group logo
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License Verified:

License: 2727

Nationwide Multistate Licensing System and Registry

Community Lending Group

1262 West 12700 South, Riverton, UT 84065
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  • New Construction

Business Description

Community Lending Group is a locally owned mortgage company serving the West Valley City area. It was founded by loan officers Brett Andersen and Brad Taylor in 2004, who still run the business with their team and continue to help clients with the home buying and refinancing processes. Community Lending Group acts as its clients' broker from start to finish and provides a wide range of mortgage programs, as well as loan options for veterans, investors, and property sellers.

License Verified:

License: 2727

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 (253)
Facebook
5.0 / 5 (12)
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
Corey Moser logo
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License Verified:

License: 274942

Nationwide Multistate Licensing System and Registry

Corey Moser

5526 West 13400 South, Herriman, UT 84096
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  • Refinance

Business Description

Corey Moser is a loan officer and the president of Aspen Hills Mortgage, which caters to homeowners in and around West Valley City. With over 20 years of experience, he can recommend loan programs to help clients pay off construction debts, renovation costs, or save money from their existing deals. Corey also educates his clients about mortgaging terms and conditions such as interest rates and amortization. Previous clients have praised Corey and his team for their close communication and prompt response.

License Verified:

License: 274942

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 (21)
Google
1.0 / 5 (1)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Dan Davidson logo
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License Verified:

License: 10331

Nationwide Multistate Licensing System and Registry

Dan Davidson

10653 South River Front Parkway, South Jordan, UT 84095
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  • Refinance

Business Description

Dan Davidson is an experienced professional who helps clients in West Valley City with their homeownership and refinancing goals. As a loan officer at PrimeLending, a national mortgage lender that has been in the business for more than three decades, he guides clients in choosing the right type of loan for their needs. Through the company, he offers more than 400 mortgage options, including USDA, VA, and FHA loans, as well as fixed-rate mortgages, adjustable-rate mortgages, and first-time homebuyer loans.

License Verified:

License: 10331

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
Facebook
5.0 / 5 (24)
Google
5.0 / 5 (2)
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
Elevate Mortgage Group logo
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License Verified:

License: 1109426

Nationwide Multistate Licensing System and Registry

Elevate Mortgage Group

384 South 400 West, Lindon, UT 84042
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  • Refinance

Business Description

Elevate Mortgage Group is an equal housing lender assisting clients in West Valley City to obtain a home loan or refinance a mortgage. Its team of loan officers has extensive knowledge of the mortgage process. They provide the loan option that best suits the needs and financial situations of the clients. They specialize in providing conventional, FHA, and USDA loan options. Other mortgage loan programs include adjustable-rate mortgages and VA loans. Elevate Mortgage Group also offers online mortgage tools.

License Verified:

License: 1109426

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
Facebook
4.0 / 5 (36)
Google
4.0 / 5 (5)

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
Emperiq Financial logo
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License Verified:

License: 819900

Nationwide Multistate Licensing System and Registry

Emperiq Financial

7613 Jordan Boulevard, West Jordan, UT 84084
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  • Purchase Transactions

Business Description

Emperiq Financial partners with diverse mortgage lenders to provide financial solutions in West Valley City. Its mortgage specialists offer a range of products, including VA, FHA, conventional, and jumbo loans, to meet clients' home refinancing or buying requirements. Emperiq Financial has been in the industry since 2011. Mike Cox, its president, carries over 10 years of mortgage experience. He served as a missionary in the Central America area prior to establishing the company. He was also a volleyball team captain during college.

License Verified:

License: 819900

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.
4.0
Google
4.0 / 5 (9)

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
Evergreen Mortgage logo
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License Verified:

License: 1303163

Nationwide Multistate Licensing System and Registry

Evergreen Mortgage

South State Street, Orem, UT 84097
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  • Refinance

Business Description

Evergreen Mortgage is a full-service brokerage that serves homebuyers in West Valley City. Its team of advisors educates clients on the home loan process and the financing options available to them, regardless if they are purchasing their first or third homes. Furthermore, the mortgage specialists work with homeowners seeking to refinance their loans. Evergreen Mortgage is owned by Kjell McCord, who has been working in the fields of mortgage, real estate, and marketing for the past 19 years.

License Verified:

License: 1303163

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 (9)
Google
5.0 / 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
Gaby Aguillon logo
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License Verified:

License: 1033853

Nationwide Multistate Licensing System and Registry

Gaby Aguillon

West Valley City, UT 84047
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  • Refinance

Business Description

Gaby Aguillon is a mortgage broker affiliated with NEXA Mortgage LLC. She operates in and around the Sandy area, including West Valley City. She is experienced in helping clients apply for and acquire a variety of financing options, ranging from reverse and fixed-rate mortgages to FHA, VA, and USDA loans. Gaby works to educate her clients about the mortgage process in order to ensure that they can choose the financing options best suited for them.

License Verified:

License: 1033853

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 (7)
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
Innovative Mortgage Alliance logo
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License Verified:

License: 175407

Nationwide Multistate Licensing System and Registry

Innovative Mortgage Alliance

12401 South 450 East, Draper, UT 84020
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  • Refinance

Business Description

Innovative Mortgage Alliance is a firm of mortgage brokers in Draper that provides mortgage solutions to clients in the West Valley City metro. The firm is owned by Peter Skaggs, a licensed loan originator who has been in the mortgage industry since 2007. He started the firm in 2009 and leads a team of 15 loan officers that specialize in conforming loans, government loans, and specialty loans. Innovative Mortgage Alliance has its own mobile app which helps applicants track their loan progress in real-time.

License Verified:

License: 175407

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
4.0 / 5 (361)

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
Jon Linnett logo
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License Verified:

License: 1053680

Nationwide Multistate Licensing System and Registry

Jon Linnett

11925 South 700 East, Draper, UT 84020
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  • Refinance
  • Reverse Mortgages

Business Description

Jon Linnett is a mortgage specialist who provides various personalized solutions for individuals and families in West Valley City. Some of the home loan products available are fixed and reverse mortgages, jumbo, VA, FHA, and USDA loans. Jon's mission is to provide services that prioritize the needs of his clients. He strives to guide them throughout the process by finding them the mortgage product that best fits their requirements. In addition, Jon works with Realtors by forming strategies for closing real estate transactions.

License Verified:

License: 1053680

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
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
Kody Sheffield logo
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License Verified:

License: 273127

Nationwide Multistate Licensing System and Registry

Kody Sheffield

7351 Union Park Avenue, Midvale, UT 84047
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  • New Construction
  • Refinance

Business Description

Kody Sheffield is a mortgage professional representing United First Mortgage. His firm specializes in sourcing out the best option for home financing and mortgage refinancing for clients in the West Valley City area. He has a track record of helping current and prospective homeowners apply for conventional, government, and specialty loans to purchase residential properties. He also offers mortgage strategies for refinancing such as reducing monthly payments, reducing mortgage rates, and cashing out on home equity.

License Verified:

License: 273127

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 (5)
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
Network Funding and The Sargent Team logo
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License Verified:

License: 273045

Nationwide Multistate Licensing System and Registry

Network Funding and The Sargent Team

2890 Cottonwood Parkway, Cottonwood Heights, UT 84121
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  • New Construction
  • Refinance

Business Description

Network Funding and The Sargent Team is a privately owned residential mortgage lender that has been serving homeowners in the community of West Valley City for more than 20 years. It offers home loans, mortgages, refinances, and other lending services. In addition, it also has an online application that allows clients to manage their loan process, from e-signatures, document upload, application, and account sync. Network Funding and The Sargent Team is led by Keith Sargent, a senior loan officer who specializes in VA, FHA, UHC, USDA, and conventional loans.

License Verified:

License: 273045

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 (9)

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
Peterson Funding logo
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License Verified:

License: 845088

Nationwide Multistate Licensing System and Registry

Peterson Funding

12180 South 300 East, Draper, UT 84020
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  • New Construction
  • Refinance
  • Reverse Mortgages

Business Description

Peterson Funding is a mortgage broker that offers home loan solutions for individuals who wish to refinance their existing loans, consolidate debts, or buy new homes in West Valley City. It delivers a wide range of lending and mortgage products, such as stated assets and income mortgages, jumbo, VA, FHA, and 100% purchase loans. Peterson Funding is committed to developing a long-term relationship with every client by providing loan options to help them achieve their dream homes.

License Verified:

License: 845088

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
4.0 / 5 (119)
Facebook
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
RanLife logo
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License Verified:

License: 3151

Nationwide Multistate Licensing System and Registry

RanLife

9272 South 700 East, Sandy, UT 84070
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  • Refinance

Business Description

Founded in 2001, RanLife offers flexible residential loan programs to West Valley City and the surrounding areas. Whether a client is a new homebuyer or a savvy investor, the company will assist them in finding the best mortgage program to meet their financial goals. Its underwriters, in-house processors, closers, and funders are available anytime to walk their clients through the whole mortgage process. Its financing options include VA Home Loans, USDA loans, and home grant programs.

License Verified:

License: 3151

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.
4.6
Facebook
4.0 / 5 (95)
Yelp
3.0 / 5 (32)

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
Reverse Freedom Mortgage logo
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License Verified:

License: 1382816

Nationwide Multistate Licensing System and Registry

Reverse Freedom Mortgage

9089 South 1300 West, West Jordan, UT 84088
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  • Reverse Mortgages

Business Description

Reverse Freedom Mortgage is a mortgage company serving the financial needs of senior homeowners aged 62 and up in the West Valley City metro area. Its reverse mortgage programs include HECM, HECM for purchase, deferred payment loans, property deferral loans, and proprietary reverse mortgages. Owner Chad G. Peck carries 15 years of experience in the industry and meets with clients face-to-face in his office or their homes. He also offers educational seminars to help people understand the advantages of a reverse mortgage.

License Verified:

License: 1382816

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.
4.1
Google
4.0 / 5 (47)
Facebook
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Richard Burt logo
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License Verified:

License: 197615

Nationwide Multistate Licensing System and Registry

Richard Burt

500 North Marketplace Drive, Centerville, UT 84014
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  • Refinance

Business Description

Richard Burt is a loan advisor who is affiliated with America West Financial. The Salt Lake County resident provides a wide range of financing options for borrowers in West Valley City, from construction and conventional to first-time homebuyer loans. In addition, he offers loan products that are backed by the government, including FHA and VA mortgages. Richard, who joined America West Financial in 2015, has been working in the field of mortgage for 20 years.

License Verified:

License: 197615

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 (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
Russ Warner logo
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License Verified:

License: 70310

Nationwide Multistate Licensing System and Registry

Russ Warner

750 South Main Street, Bountiful, UT 84010
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  • New Construction
  • Refinance

Business Description

Russ Warner is a mortgage professional serving clients in West Valley City. He has been in the mortgage industry since 1996 and has managed hundreds of loan officers. He currently works at City First Mortgage Services, a mortgage lending firm established in 1992 by Gerret Van Wagoner that provides a wide range of loan programs, including adjustable-rate, fixed-rate, and reverse mortgage. Russ and his fellow professionals are well-versed in various aspects of residential and construction loans, including underwriting and contract law.

License Verified:

License: 70310

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.
4.0
Facebook
4.0 / 5 (8)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Ryan Hauppa logo
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License Verified:

License: 1762930

Nationwide Multistate Licensing System and Registry

Ryan Hauppa

1218 East 7800 South, Sandy, UT 84094
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  • Refinance

Business Description

Ryan Hauppa is a mortgage consultant that has been operating in West Valley City, Sandy, and surrounding areas. He has been in the finance industry for over 10 years. Ryan uses his client-first mentality to assist individuals and families with their financial options. He offers a variety of loans, including home purchase loans, mortgage refinancing, FHA loans, and conventional loans. Ryan has a Bachelors in Finance degree and is licensed in more than 25 states

License Verified:

License: 1762930

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
5.0 / 5 (61)
Google
5.0 / 5 (5)

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
Ryan Sparks logo
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License Verified:

License: 1455482

Nationwide Multistate Licensing System and Registry

Ryan Sparks

2277 Fort Union Boulevard, Salt Lake City, UT 84121
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  • Refinance
  • Purchase Loan Officer

Business Description

Ryan Sparks is a loan specialist serving clients in West Valley City, throughout Utah, and in other states. Sparks started his career in the mortgage industry in 2001 and has been assisting individuals interested in buying investment properties or availing themselves of renovation loans. He is a loan officer with Supreme Lending who handles various loan options, including FHA, VA, jumbo, and conventional mortgages. He also deals with refinancing for those who wish to get cash out of their home equity.

License Verified:

License: 1455482

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 (10)
Yelp
5.0 / 5 (8)

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
South Towne Mortgage logo
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License Verified:

License: 1843923

Nationwide Multistate Licensing System and Registry

South Towne Mortgage

11075 State Street, Sandy, UT 84070
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  • Refinance
  • Reverse Mortgages

Business Description

South Towne Mortgage is a home loan specialist that serves West Valley City. Its team guides clients throughout the loan process and helps them choose financing options that suit their individual needs. Some of the programs the company offers include second mortgage, jumbo, and construction loans. John Gonzales, South Towne Mortgage's owner and broker, has been working in the industry for over 20 years. He was appointed to the state's Residential Mortgage Regulatory Commission by Gary Herbert in 2012.

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 (26)
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The Molina Group logo
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The Molina Group

746 East Winchester Street, Murray, UT 84107
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  • Multi-Family Loans

Business Description

The Molina Group is a team of mortgage professionals from Intercap Lending. The group serves clients in West Valley City and has offices in Murray and Walnut Creek. Leading loan officer Mike Molina has been in the mortgage industry for over 19 years. He specializes in first-time homebuyers, home acquisition, and improvement loans, as well as reverse mortgages for seniors and investment properties. He and his team offer 15 to 30-year fixed-rate, FHA, VA, and jumbo home loans.

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License: 230545

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Troy Warner

10808 South River Front Parkway, South Jordan, UT 84095
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  • Refinance

Business Description

Troy Warner is a mortgage banker that has served homeowners in West Valley City and in nearby areas for over 20 years. He runs a team of 21 loan processors and educates clients about the mortgage process, from pre-qualification to closing. Troy can also calculate the monthly payments of different loan programs based on interest rates and contract duration. He has helped multiple homeowners with various objectives such as saving money, paying off debts, and funding renovation projects.

License Verified:

License: 102983

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
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.
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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.

How do mortgage brokers get paid?

The customer or the lender pays the mortgage broker. By law, it's illegal for a mortgage broker to accept payment from both parties. Additionally, thanks to the Dodd-Frank Act, a mortgage broker cannot have hidden fees or base their commission on their customer's interest rate.

What makes mortgage brokers different from loan officers?

Loan officers are employees of a single lender. For example, if you go to a bank for a mortgage, you'll deal with their loan officer. They’re paid a set salary and receive bonuses; however, they can only offer loans from their bank.

A mortgage broker works independently or for a firm, and they’re paid by the client or lender. Mortgage brokers can approach several lenders, giving individuals many more options.

What is the difference between a commercial mortgage broker and a home loan broker?

A commercial mortgage broker deals with real estate loans for businesses. The loan for the commercial property is given to the company, not the individual. As a result, the approval process reviews the financial health of the business. In comparison, a home loan broker helps individuals gain a real estate loan for their property.

How much do mortgage brokers make?

According to Salary.com, the average salary for a mortgage broker in the U.S. ranges between $75,344 and $99,498. However, this can significantly vary depending on the state you work in, bonuses, and other factors.

How do mortgage brokers get paid?

How a mortgage broker gets paid entirely depends on who they work for. If they’re an independent contractor, all of their income comes from their clients or lenders. If the person works for a brokerage, they may be paid a combination of a base salary and bonuses from closed deals.

How much do mortgage brokers make per loan?

Mortgage brokers typically make between 1% and 2% of the total loan amount on each deal closed. The client or the lender will pay this fee. The mortgage broker does not receive their payment until the loan is approved and finalized. 

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for its mortgage brokers. To legally close a transaction, you must be certified in the state of the transaction. Additionally, it's helpful to know the state's closing process, as this can change from state to state.

What is a surety bond for mortgage brokers?

A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

Is it difficult to pass the mortgage brokers’ test?

Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Do mortgage brokers need to be licensed?

Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

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