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We are trying to make home loans as simple as possible .

For Conventional, FHA and VA mortgage loans for home purchases and refinances

Home Purchase Loans

Owning a home is a cornerstone of the American Dream. At our company, we are dedicated to making this dream a reality for you. We take immense pride in our ability to match you with a Mortgage Program that aligns with your goals and aspirations, helping you take the crucial step towards homeownership.

Home Refinance

Refinancing has proven to be incredibly beneficial for our borrowers, resulting in substantial monthly savings. In fact, some borrowers have experienced savings of up to $1,000 per month by consolidating high-rate credit cards and automobile loans, among other expenses.

Self Employed Financing

If you've been self-employed for a minimum of two years and can provide a down payment of 5% to 10%, we have the ideal solution for you. Our streamlined process allows us to close your loan in as little as 12 days. Explore our range of Self-Employed financing programs today for swift and tailored assistance.

WHY CHOOSE US

The Seamless Loan Process

Click here to apply online for a home loan to financing a property.

Loan Pre-Approval

Take the First Step, Get a Quote

Loan Processing & Origination

Document Gathering & Loan Underwriting

Closing & Funding

Congratulations. Get Your Keys!

COMPLETE FORM

Book An Appointment

Jeff Carlston

Loan Officer

(801) 548.2627

NMLS: 315077

jeff@lendhomeloans .com

lendhomeloans.com

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Book-a-Call

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WHY CHOOSE US

What our customers are saying about us.

Full Name

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Full Name

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Approval & Updating

As your dedicated loan officer, I am committed to keeping you informed and involved throughout every step of the mortgage approval and closing process. Our robust backend support ensures accuracy and efficiency, allowing us to provide top-notch customer service and education to all parties involved. Here's a timeline of when you can expect updates:

1. New Application Received: You will be notified promptly upon receiving your initial mortgage and complete mortgage application. It's important to note that we order all verification of employment for borrowers before they go under contract.

2. Updating During the Loan Process: Our team is dedicated to providing the best customer service possible. Feel free to reach out with any questions during the loan process; we're here to assist you.

3. Automated Underwriting System Pre-Qualification: Expect notification when we have an approved/eligible status through the Automated Underwriting System, known as desktop underwriter DU.

4. TBD Pre-Approval by an Underwriter: A thorough review by an underwriter ensures a solid pre-approval. If you have any inquiries about our TBD process, don't hesitate to ask.

5. File Submitted to Underwriting: We prioritize submitting the file to underwriting within 24 to 48 hours from the day you go under contract. This proactive approach facilitates a smooth transaction.

6. Appraisal Ordered: Appraisal orders are initiated the day after the initial loan disclosures are signed. Let us know if you'd like to be listed as the contact when we order the appraisal.

7. Conditional Loan Approval: We will review the conditional loan approval with both you and the buyer, ensuring everyone understands the underwriter's documentation requests.

8. Interest Rate Locked: You'll be informed when we lock the interest rate. The timing may vary based on the borrower's circumstances to avoid closing delays.

9. Appraisal Received: Expect notification when we receive a copy of the appraisal.

10. Final Underwriting Approved : We'll keep you informed once we've received the clear-to-close, signifying that all conditions and the appraisal have been cleared by the underwriter.

11. Closing Disclosure Signed: You will be notified when the buyer signs the closing disclosure. We work closely with the title company to provide accurate numbers for the closing disclosure and the cash-to-close amount.

12. Closing Instructions: Sent to the Title Company: Expect notification when the lender sends closing instructions to the title company.

13. Approved Settlement Statement: We will inform you when we have the approved settlement statement and the final cash-to-close amount. The borrower will also be notified about the amount to wire to the title company before closing.

14. Loan Funded: You will receive notification when the loan has been funded. For more challenging loans, our goal is to close on a Wednesday and fund on Friday to ensure all funding conditions and documents are in order.

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