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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Melissa Dalley

Melissa Dalley

Sales Manager

157 East Riverside Drive, Suite 1-a, St George, UT 84790
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
4.92 out of 5.0 stars
5.0
4.91
Drake
Feb 23, 2024
Verified

melissa made it so easy and was so personable!
Jewel
Jan 27, 2024
Verified

Melissa was amazing to work with! She answered all of my questions in a timely matter and made sure I understood everything. This was our first time buying a house and she made a big unfamiliar process very enjoyable and less stressful. She worked hard to get us qualified and into our home quickly! I would recommend her to anyone and will for sure be back in the future!! Thank you!
Mary
Nov 22, 2023
Verified

Melissa was great to work with, she answered all my questions and time off the day, she calmed my nerves at times. She treated me with respect, even when I was asking her dumb questions.
Alma
Nov 01, 2023
Verified

Charlie, Melissa, Denise, and the rest of the team made th transaction extremely simple. This was one of the easiest real estate transactions I've ever done, Thank you!
Jennifer
Sep 01, 2023
Verified

Melissa is an expert in her field. The unexpected happened at every turn. Instead of looking at all her past experiences she paid attention to me as an individual client coming to the table with my own experience. She stuck with me. I stuck with her. She was ethical, honest in all our communications and was loyal to the company she works for, the process and yes made it happen. I will definitely be using Melissa again, in the near future.
Shari
Jul 22, 2023
Verified

Communication throughout the entire process.

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NMLS ID #344667
I am authorized to do business in the state of Utah.