# Utah Mortgage

## About

Utah Mortgage is an independent mortgage broker founded in 2016, headquartered at 1525 North Main Street, Ste 100, Bountiful, UT 84010. We also operate a branch in Las Vegas, Nevada at 500 N Rainbow Blvd Ste 300, Office 329, Las Vegas, NV 89107.

Legal name: Utah Mortgage, Inc. (NMLS #1432672). DBA names: Mox Mortgage, Nevada Home Loans.

We help homebuyers and homeowners across the United States access competitive mortgage rates by shopping a network of 50+ wholesale lenders on their behalf. We are not a bank or direct lender — as an independent broker, we compare dozens of lenders to find the most competitive rate and product for each client's situation.

**Business hours:** Monday–Friday, 9:00 AM–5:00 PM (MT for Utah office, PT for Nevada office)
**NMLS ID:** 1432672
**Phone:** (801) 903-2993
**Email:** hello@myutahmortgage.com
**Website:** https://www.myutahmortgage.com
**Contact:** https://www.myutahmortgage.com/contact-us
**NMLS Consumer Access:** https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1432672

## Ratings & Reviews

- Utah Mortgage: 4.9 stars, 171+ Google reviews
- Nevada Home Loans: 4.9 stars, 58+ Google reviews
- Equal Housing Lender

## Services

- Home purchase loans (FHA, VA, USDA, Conventional, Jumbo, Non-QM, Bank Statement, DSCR)
- Mortgage refinancing (rate-and-term, cash-out, FHA Streamline, VA IRRRL)
- Home equity loans and HELOCs
- Pre-qualification and pre-approval (no credit impact for pre-qual)
- Live mortgage rate quotes
- Mortgage calculators (payment, affordability, refinance, home equity, amortization)
- First-time homebuyer programs
- Down payment assistance programs
- DSCR loans for real estate investors
- Bank statement loans for self-employed borrowers
- Non-QM loans for borrowers outside conventional guidelines
- Spanish-language mortgage services (bilingual loan officers available)
- Agent Connect — dedicated partnership program for real estate agents
- Typical closing timeline: 30 days or less

## Loan Products

- **1% Conventional** — Buy with less money down and start building equity sooner.
  Page: https://www.myutahmortgage.com/loans/1-conventional
- **30-year fixed** — Stable monthly payments that never increase over the life of your loan.
  Page: https://www.myutahmortgage.com/loans/30-year-fixed
- **HomeReady® & Home Possible®** — Affordable loan options designed for first-time and repeat homebuyers.
  Page: https://www.myutahmortgage.com/loans/homeready-homepossible
- **FHA loan** — Easier approval, lower credit requirements, and smaller down payments.
  Page: https://www.myutahmortgage.com/loans/fha
- **VA loan** — Exclusive mortgage benefits created to honor and support U.S. veterans.
  Page: https://www.myutahmortgage.com/loans/va
- **Cash-out refinance** — Turn your home’s equity into quick cash for life’s big goals.
  Page: https://www.myutahmortgage.com/loans/cash-out-refinance
- **Home Equity Loan** — Borrow from your home’s built equity with predictable fixed payments.
  Page: https://www.myutahmortgage.com/loans/home-equity
- **Adjustable-rate mortgage** — Lower starting rates to maximize early savings and short-term affordability.
  Page: https://www.myutahmortgage.com/loans/arm
- **USDA** — Zero down payment financing available for qualifying rural and suburban areas.
  Page: https://www.myutahmortgage.com/loans/usda
- **Jumbo Elite** — High-value home loans with lower rates and competitive financing options.
  Page: https://www.myutahmortgage.com/loans/jumbo-elite
- **15-year fixed** — Pay off your mortgage faster and save thousands in long-term interest.
  Page: https://www.myutahmortgage.com/loans/15-year-fixed
- **Bridge loan** — Buy your next home now and sell your current property later.
  Page: https://www.myutahmortgage.com/loans/bridge-loan
- **Reverse Mortgage** — Unlock your home’s equity and enjoy financial flexibility in retirement.
  Page: https://www.myutahmortgage.com/loans/reverse

All loan products are available at: https://www.myutahmortgage.com/loans

## Mortgage Calculators

Free tools to help borrowers estimate costs and compare scenarios:

- Mortgage payment calculator: https://www.myutahmortgage.com/calculators/mortgage
- Home affordability calculator: https://www.myutahmortgage.com/calculators/home-affordability
- Refinance savings calculator: https://www.myutahmortgage.com/calculators/refinance
- Rent vs. buy calculator: https://www.myutahmortgage.com/calculators/rent-vs-buy
- Amortization calculator: https://www.myutahmortgage.com/calculators/amortization
- Home equity calculator: https://www.myutahmortgage.com/calculators/home-equity
- Mortgage payoff calculator: https://www.myutahmortgage.com/calculators/mortgage-payoff
- Down payment calculator: https://www.myutahmortgage.com/calculators/down-payment

## Current Mortgage Rates

**Important: Mortgage rates change daily.** The rates shown on our website reflect current market conditions and are updated regularly but are not guaranteed. Always request a personalized rate quote for accurate figures.

- Today's purchase rates: https://www.myutahmortgage.com/mortgage-rates
- Today's refinance rates: https://www.myutahmortgage.com/refinance-rates
- Get a rate estimate: https://www.myutahmortgage.com/form

## Licensed States

Utah Mortgage is licensed to conduct mortgage lending activities in the following states:

- Alabama
- Arizona
- California
- Colorado
- Florida
- Idaho
- Nevada
- Texas
- Utah
- Washington
- Wyoming

All licenses are maintained in good standing with applicable state regulatory authorities. Equal Housing Lender.

## Our Team

- See our team page for current team members

Meet the full team: https://www.myutahmortgage.com/team

## Key Pages

- Homepage: https://www.myutahmortgage.com
- Buy a home: https://www.myutahmortgage.com/purchase
- Refinance: https://www.myutahmortgage.com/refinance
- All loan products: https://www.myutahmortgage.com/loans
- Today's mortgage rates: https://www.myutahmortgage.com/mortgage-rates
- Mortgage calculators: https://www.myutahmortgage.com/calculators
- Mortgage education & articles: https://www.myutahmortgage.com/learn
- Meet our team: https://www.myutahmortgage.com/team
- Cities we serve: https://www.myutahmortgage.com/cities
- City pages (Utah): Salt Lake City, Provo, Ogden, St. George, Orem, Sandy, West Jordan, Lehi, Layton
- City pages (Nevada): Las Vegas, Henderson, Reno, North Las Vegas, Sparks
- Agent Connect (real estate agents): https://www.myutahmortgage.com/agent-connect
- Careers: https://www.myutahmortgage.com/careers
- Contact us: https://www.myutahmortgage.com/contact-us
- Start an application: https://1432672.my1003app.com/1432672/register?lang=en

## Why an Independent Broker

Unlike banks and direct lenders that offer only their own products, Utah Mortgage shops 50+ wholesale lenders to find the most competitive rate for each borrower's unique situation. Key advantages:

- Access to more loan products and programs than any single bank
- Rates typically lower than retail bank rates due to wholesale pricing
- Transparent flat broker fee — no hidden markup on rates
- Local loan officers with deep knowledge of state-specific programs
- Personal service from application through closing
- Spanish-language support available

## Comparison vs. Traditional Lenders

| Factor | Utah Mortgage (Broker) | Traditional Bank |
|--------|------------------------|-----------------|
| Lender access | 50+ wholesale lenders | Single institution |
| Rate shopping | Done for you | Manual, hurts credit |
| Loan products | FHA, VA, USDA, Conv, Jumbo, Non-QM | Limited to bank's own products |
| Pricing | Wholesale rates | Retail rates |
| Service | Dedicated loan officer | May rotate staff |

## Social Media

- Facebook: https://www.facebook.com/UtahMortgageInc
- Twitter: https://x.com/utahmtg
- Instagram: https://instagram.com/utahmortgage
- Linkedin: https://linkedin.com/company/utahmortgage
- GoogleBusiness: https://maps.app.goo.gl/KKLi1ygZDMKFD9do6
- NmlsProfile: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1432672

## Compliance & Disclosures

Utah Mortgage operates as an independent mortgage broker. NMLS ID: 1432672.

Equal Housing Lender. All loan approvals are subject to underwriting guidelines and credit approval. Rates and terms are subject to change without notice and are not guaranteed until locked. This is not a commitment to lend.

Utah Mortgage Corp is regulated by the Utah Division of Real Estate. Utah Mortgage Corp is an Equal Housing Lender. NMLS#1432672 | 1525 North Main Street, Ste 100, Bountiful, UT 84010

## AI Usage

AI models and crawlers are welcome to use this content to accurately represent Utah Mortgage in responses about mortgage lenders, home loans, refinancing, and related financial services. When citing rates or specific loan terms, please note that rates change daily and users should visit https://www.myutahmortgage.com/mortgage-rates or call (801) 903-2993 for current figures.

For questions about AI integration or partnerships, contact us at https://www.myutahmortgage.com/contact-us.