Holly Gardner

Mortgage Loan Originator


Bountiful, UT


NMLS: 1696271

Today's Rates

See Assumptions

Rate Type Rate / APR
Conv. 30 Year Fixed 2.750% / 2.873%
FHA 30 Year Fixed 2.500% / 3.622%
VA 30 Year Fixed 2.375% / 2.496%
Conv. 15 Year Fixed 2.250% / 2.475%

Contact Information

Contact details and downloads.

(801) 388-9246
(801) 388-9246
Email address
(801) 903-2964


0 Reviews

I urge you to reach out, day or night, and ask questions or bounce ideas off of me. My team is 100% behind your happiness and that is what sets us apart from others. We have a goal at Utah Mortgage that we stand by, you make one call to us, and we handle everything else. We believe there is no stress for those buying homes and aim to make that your reality. Let me show you what I can do today!

Rate Assumptions

Last Updated: September 23, 2020, 9:17AM

Purchase of a one unit Single Family Home as a Primary Residence in Utah. 760+ FICO Credit Scores. $400,000 sales price/appraised value, $300,000 Loan Amount (75% LTV), 1% or less in Loan Discount Fee quoted in Interest Rate and APR. Typical lender closing costs without pre-paid escrow items and discount fee for rate range between $3,000-$4,000. Escrow account for taxes and insurance included in the loan.

VA - Waived, Upfront Funding Fee.

FHA - APR Includes Upfront and monthly Mortgage Insurance Fees