Hand Picked Top Lenders We Know, Trust and Recommend

Each of these individuals have their own unique qualities and loan programs 

Meet Our Mortgage Lenders

Guide: Key Steps to Buying a Home in Utah

1. Assess Your Financial Readiness

• Review Your Credit Score: Most Utah lenders require a score of 620 or higher.

• Calculate Your Budget: Include down payment (often 3-20% of purchase price), closing costs, and monthly expenses.

• Estimate Pre-Approval Amount: Use mortgage estimator tools to see what you can afford.

• Check for Assistance: Investigate Utah down payment assistance programs (programs list).

2. Get Pre-Approved for a Mortgage

• Contact Local Lenders: Shop rates and ask about first-time buyer incentives.

• Pre-Approval Letter: Strengthens offers and shows sellers you’re serious.

• Gather Documents: Proof of income, tax returns, bank statements, ID.

3. Hire a Knowledgeable Utah Real Estate Agent

• Find a Local Expert: Choose an agent familiar with your target neighborhoods.

• Discuss Your Needs: Share your priorities for location, schools, commute, and property type.

• Understand Representation: Utah agents work as buyer’s agents, listing agents, or dual agents—know who’s representing your interests.

4. Start House Hunting

• Online Listing Sites: Use Utah MLS, Zillow, Redfin, and local agent websites.

• Open Houses & Tours: Visit homes in person to assess neighborhood and property condition.

• Evaluate Priorities: Balance needs vs. wants; consider future resale value.

5. Make an Offer & Negotiate

• Market Analysis: Your agent will help determine a fair offer based on recent sales.

• Draft the Offer: Includes offer price, earnest money, and contingencies (financing, inspection, appraisal).

• Negotiate Terms: Be prepared for counteroffers; multiple offer situations are common, especially in urban areas.

6. Complete Due Diligence

• Home Inspection: Hire a licensed inspector to check the property for issues (including radon, termites, and earthquake risks common in Utah).

• Appraisal: Required by most lenders to verify the home’s value.

• Title Search & Insurance: Confirms no outstanding liens or ownership issues.

• HOA/CC&R Review: For condos or communities with associations.

7. Secure Your Mortgage

• Choose Loan Type: Conventional, FHA, VA, and Utah Housing loans each have different requirements and benefits.

• Rate Lock: Lock in your mortgage interest rate—timing can matter in a moving market.

• Finalize Application: Submit last required documents; lender will underwrite your loan.

8. Review & Sign Closing Documents

• Final Walkthrough: Verify that repairs are made and the property is as agreed.

• Closing Disclosure: Review loan terms, fees, and cash-to-close.

• Sign Documents: You’ll meet at the title or escrow office to finalize the purchase and get the keys.

9. Move In & Celebrate!

• Transfer Utilities & Services: Set up water, power, internet, and garbage collection in your name.

• Change Address: Update addresses with banks, postal service, and subscriptions.

• Enjoy Your New Home: Welcome to homeownership in Utah!

Some of our past clients comments, raves and recommendations.

“Marty Gale far exceeded our expectations as a Buyers Agent in the recent purchase of our home. His knowledge of the Utah real estate market is exceptional and with his experience in residential home construction he was able to provide beneficial advice in selecting well-built homes. The network of professionals that Marty works with are top shelf, his recommendations for home inspection and mortgage broker were perfect. Customer service from this team of professionals is some of the best we have worked with; this is our fifth home purchase. You will not be disappointed in choosing to work with Marty!”