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Rock Reber

Rock Reber

Loan Officer

320 E 600 S, St George, UT 84770
Own what matters
Own what matters

About Me

Hello my name is Rock Reber. My goal is to help you find the right mortgage to fit your financial needs. I have been in the mortgage business for six years with experience in all types of mortgage products; Conforming Jumbo FHA VA Rural Housing Bond and HomePath. I know one loan does not fit everyone's needs that's why I work hard to find the correct loan that fits your specific needs.    

Please contact me today to discuss different loan strategies and current rates. I look forward to working with you. Direct 435-862-9556 email rock.reber@guildmortgage.net

I have four unique values that I use in my business. These values help make your home purchase or refinance process as smooth as possible. Service - I work with referral sources to make sure everyone is on the same page. I put myself in my client's shoes so I understand what they're going through and work hard to make it as effortless as possible for them. I guide my clients through the process and present them with several options to meet their financial goals. Process - I strive to enhance my client's home buying experience and eliminate stress. To save time I can conveniently pre-qualify and pre-approve my clients before they start the looking process. By getting pre-qualified before you look for property you confirm you are a serious buyer. I make the process easy and stress free. Product - With so many products available I am confident that we have a product that will meet my client's needs. Knowledge - My understanding of the marketplace will assist my clients in finding the right loan to fit their needs. I offer competitive rates and fees combined with one-stop-shopping convenience. My team and I can ensure you are paired with the best option to meet your financial objectives for now and in the future. We are the only lender in Southern Utah that has in-house processing underwriting. Your loan does not leave our officewhich gives us complete control over your loan. Please call me today to get started on your dream of a new home.

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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
5.0 out of 5.0 stars
5.0
Dustin
Jul 27, 2020
Verified

Rock has done two loans for me. He just helped me close a purchase a month ago. I like Rock because he helps make sure the loan process goes smooth, with his professional & helpful knowledge and reliablility. I also like how Rock answers the phone and if he doesn't then he will get back with you quickly.
maxjomayer
Jun 09, 2016
Verified

We needed loan in two weeks to close on new home and rock hot to loan in eight days we had loan before they could finish building great working with him ????
a devil 7
Jun 09, 2016
Verified

Rock was very knowledgeable and quick to respond to my messages or questions. He was easy to work with and knew all the little details about things that the first individual I went to. I have recommended Rock to other individuals I know as well.
bearmountaintowing
Jun 04, 2016
Verified

He financed our Utah home, on time, good rate, trouble free. Rock is a very professional and easy going guy to work with. He was great at explaining every step of the process. I would call him first if I needed another home loan.
jepso 4
Jun 03, 2016
Verified

Very professional and goes the extra mile. Became a friend and kept my wife and I informed each step of the process of buying our home until we signed off. Asked him other non related questions that we had. That were not related to the purchase of our home and he researched them for us and gave us our information.
crochetlilred58
Jun 02, 2016
Verified

Rock has been very helpful with letting me know what I need to do to help this loan go through. He has also helped me get the best rates possible. Because I work full time, it has been very easy to submit the paperwork by email or online.

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NMLS ID #219368
I am authorized to do business in the state of Utah.