Justin Brown

Senior Loan Strategist


Bountiful, UT


NMLS: 413043

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) 631-4663
(801) 631-4663
(801) 903-2964


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I am your consultant, your strategist, your overseer of the transactional details. With over 15 years of successfully navigating the sometimes turbulent process; I have helped thousands of people just like you Succeed. I will consult with you to better understand your core purpose and direct your loan appropriately.

I, along with my team, will guide you through the process. I will make sure the loan you select integrates into your short and long term financial objectives. To do this it is important that we openly discuss your needs, goals and desires.

There are literally hundreds of pages of paperwork; which require upwards of 75 signatures/e-signatures. Every transaction has 100-150 phone calls / emails / texts, each loaded with critical details. In addition there are typically over 25 people spread over several industries that must be involved. Our team will be there every step of the way to successfully see your loan through to closing!

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