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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

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.
Jumbo

Jumbo

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.

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

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Testimonials

Testimonials
4.91 out of 5.0 stars
5.0
5.0
4.9
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Lindsay
May 12, 2025
North Salt Lake, UT
Verified

I have previously bought a home with Dave's help and once again he was so helpful and mindful in walking us through the process and making sure we felt comfortable with our purchase. Dave is great!
Becky J
May 12, 2025
Verified

Top notch! A rarity among lenders and as a realtor for 10 years, I've worked with a lot!
Rebecca
May 12, 2025
North Salt Lake, UT
Verified

I'm a realtor and I'm going to start sending all my clients to Dave. My clients just closed with him and I was shocked at the care and attention he provided. He met with them In Person (but he will also talk over the phone if clients prefer) multiple times to help them with the process. My buyer told me that he texted him every day for 2 weeks with different questions and Dave was always responsive, gracious, and helpful. I've done real estate for 10 years and I can tell you that this is rare. When I mentioned to my escrow officer that Dave met with my clients before closing to make sure they understood the final #'s, she was also shocked because lenders just don't normally do that! And he wasn't any more expensive than any other lender.
Klew
Apr 14, 2025
Salt Lake City, UT
Verified

Dave Young is an amazing loan officer. Time and time again, he suprises me with his ability to navigate difficult loans, bringing them to completion with his strong guidance and years of experience under his belt. Thank you, Dave, for your steady hand, wisdom, and grace under fire. I'm so grateful to have you as my loan officer.
Mykol C
Apr 08, 2025
Verified

Dave is an incredible lender. Very educational, consistent and clear communication through a stressful time which helped make the process more enjoyable. We will recommend Dave to anyone looking to refinance or buy a home.
Mykol
Apr 07, 2025
Syracuse, UT
Verified

Dave and his team were incredible throughout the process. We are so grateful for his dilligence and communication and will recommend him to anyone looking to refinance or buy a home!

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Causes & Memberships

member of Guild Giving
NMLS ID #222107
I am authorized to do business in the states of Idaho, Oregon and Utah. OR ML-176;