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Select from hundreds of loan products tailored to your needs

Kelle Smart

Kelle Smart

Branch Manager

445 East 200 South, Suite 100, Salt Lake City, UT 84111
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
4.98 out of 5.0 stars
4.98
Brian
Jun 07, 2024
Verified

Kelle made the loan process as a first time home buyer extremely easy. She was efficient, knowledgeable, thorough with attention to detail, and took the time to answer all our questions. Due to her hard work, we actually closed on the home earlier than expected which we wanted. I cannot recommend Kelle enough, she is an absolutely pleasure to work with and if we ever purchase another home, it will be through Kelle.
Janet L W
Feb 23, 2024
Verified

Kelle communicates well and responds quickly She has so much experience and is always knowledgeable, helpful and kind. I trust her to do the best job for all of my real estate clients
Susan
Feb 23, 2024
Verified

Kelle was very knowledgeable, helpful, thorough, and great to work with, making the process easy!!
Michael
Feb 16, 2024
Verified

This is the 4th or 5th time that Kelle has helped us buy a house. She always goes out of her way to make the experience positive and clear. I could not recommend her highly enough and am so grateful for her!
Kendall
Feb 16, 2024
Verified

Kelle is amazing. She is efficient and direct about what is needed and how we can achieve each step. We received emails with updates, as well as direct communication from Kelle. She really went above and beyond for us and we are so grateful to know her and work with her.
Billy
Dec 20, 2023
Verified

Kelle was awesome to work with, she made the process easy and stress less. I have bought and sold many houses and she made this one the best.

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NMLS ID #104049
I am authorized to do business in the state of Utah.