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Simplifying mortgages
Learn your options, set a plan, make it happen

About me

With just 5 minutes on the phone or in person we can see if you prequalify and start a Home-Buying Plan that fits you and no obligation. I look forward to helping you! Just call me directly at (801) 679-6125 or click on my email address above and let me know how I can reach you. So call or click and let's get you closer to what YOU want.CLIENT TRUSTClients have described me as: Knowing all the program options available in Utah Great at helping people learn and understand their options Able to offer some of the lowest rates and fees A mortgage team leader who can close your loan in as little as 15 days Always available by phone in your home or my office and your choice A mortgage consultant who genuinely cares about your happiness.MY PHILOSOPHYDuring my career I've focused heavily on providing better communication than people find in this industry. I believe superior communication up-front in my planning and strategy phase eliminates errors costly surprises and last minute delays typically found in most banks and many mortgage companies. Continuing communication throughout the rest of the process brings my clients peace of mind and confidence they're getting what they want. People tell me my communication focus has made their home-buying or refinancing experience far less stressful than any of their past experiences. They also tell their friends family and others to contact me which is the highest compliment I ever receive. My special thanks to those who let me help them and their friends!MY BACKGROUNDI was born and raised in Atlanta Georgia and started my career as a mortgage loan officer during my senior year at the University of Utah while finishing my Business Finance degree. I met the love of my life at the U and we now have a growing family! I love serving in local community and church programs and I enjoy offering this same attitude to my clients. With experience as a professional cliff diver amateur exhibition-style snow and wake boarder I'm not afraid of challenging situations!! I loooove hearing my clients say at closing "everyone else said they couldn't do what you've done".

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don't have a large down payment saved up though, don't worry. We have Conventional loan options for down payments as low as 3%.
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FHA

If you're looking to buy on a tight budget, these loans are a great option. It's easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They're also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
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Jumbo loans

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you're looking to buy a more expensive home and have a great credit score and strong financial situation.
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USDA

Are you purchasing a rural property? A USDA loan is a great fit. Enjoy lower interest rates with no down payment. These loans are best suited for homebuyers with moderate to low income and are offered to rural property owners through the U.S. Department of Agriculture (USDA).
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VA

If you're an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you'll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.
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Down payment assistance

If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
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Home Equity

Open the door to new possibilities by accessing your home's equity whether it's to afford tuition, renovate, consolidate high-interest debt, purchase a second home or tackle an emergency expense. A home equity line of credit (HELOC*) or home equity loan (HELOAN) can help wherever life takes you.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Home equity insights

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.91 out of 5.0 stars
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5.0
Experience logo
4.9
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5.0
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4.8
Steven
Nov 2, 2025
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I already completed one of these. Kit is always the best, and wish I could do every transaction with him
Deborah
Oct 5, 2025
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Everyone was very informative, cared about us, kept us informed on all the steps, answered our questions, and were all s...See more
Andrew
Oct 3, 2025
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Kit and his team were all very helpful and knowledgeable and helped guide us through the process of appl...See more
Tyler
Oct 6, 2025
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Always answered all our questions.
Christian
Oct 2, 2025
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Very professional from start to finish. Your team is a well oiled machine.
Tyler L.
Oct 3, 2025
Google logo
Always answered all our questions.

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Awards

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Causes & Memberships

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NMLS ID #231831

I am authorized to do business in the states of Arkansas, Arizona, Idaho, Texas and Utah. AZ BK#0018883; AZ BKBR# 1050939; AZ LO Lic.# 1033086;

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