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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Jess Patterson

Jess Patterson

Sales Manager

1086 E Hwy 193, Suite #102, Layton, UT 84040
Own what matters
Own what matters

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.

Conventional

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%.
Down payment assistance

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.
FHA

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.

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

Testimonials

Testimonials
4.8 out of 5.0 stars
4.82
4.8
Karina
Feb 03, 2024
Verified

Jess and his team made this process as smooth as possible. Their communication was amazing, we were kept up to date on everything and they answered all our questions. They worked so hard to get everything done quickly!
Austin
Feb 03, 2024
Verified

I am %1000 pleased with Jess and his amazing team. We felt valued and important and I feel like they fought hard to make all of this happen. Thank you for all of your hard work!
Joseph
Jan 05, 2024
Verified

I ended up switching to Jess to underwrite my final loan from a local bank in Idaho. Jess became involved in the middle of a complex situation and was able to clearly communicate what needed to get accomplished, and coached me through everything. He was super easy to work with, and got everything done in a timely manner!
Chandler
Dec 06, 2023
Verified

Jess was always available to talk about options and address my concerns. He worked late and helped me get my loan through! He’s the best!
Shane
Dec 27, 2023
Verified

Thanks for helping get things finished in time to close and get into my own place! I really appreciate you!
Victor Wade H
Dec 01, 2023
Verified

Jess, was very professional, and made this feel seamless throughout the process. Our mutual client was so happy to be in his new home

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NMLS ID #1013404
I am authorized to do business in the states of Idaho, Utah and Wyoming.