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  • My wife and I were treated like gold throughout the entire process working with the team for our home loan. Even after I closed I was skeptical that if I had a question about our loan that we wouldn’t be helped as quickly. I was wrong; they replied to my questions and were very helpful along the way and even after closing.

    Dr. Tyler Hicks, DMD, Dental Resident, VA Hospital
  • If anyone out there paid as much attention to a loan as this group, more people would be able to get the funding needed to close on a home. I appreciate the detail and time that was spent in getting us closed. Thank you so much.

    Dr. Craig Taylor, DDS, and Allison Taylor – Henderson, Nevada
  • We lived clear across the United States from where we were building our home and the team made the entire thing hassle free doing everything via email. This was our first home purchase and they were able to keep our minds at ease and answer all of our questions.

    Jason Pursley Parker and Dr. Ryon Parker – Southern Nevada Internal Medicine
  • We had a great experience buying our home with David Nelson and team. Emails were answered promptly and everything went very smoothly. The final cost came in under the estimate as well, which was a nice surprise. I would recommend them to others.

    Danielle and Dr. Mark Rowan, Pediatrician – Alpine Pediatrics
  • The day of the loan, he called us and told us we could actually lower the interest rate that day if we wanted to wait a few days, which I don’t think many lenders would ever do. So it was a great experience, I’d recommend him to anybody.

    Dr. Tricia and Derek Twelves – Riverton, Utah
  • Avoid Monthly Mortgage Insurance

    Helping clients avoid private mortgage insurance is one of the most important things that we do. You want to try to avoid mortgage insurance at all costs for a couple of reasons. Number one, mortgage insurance doesn’t fall off of most loans until you’re in the 10th or 11th year of that amortization schedule, or the repayment schedule. Most of our clients are in their homes between seven and ten years, so even though in theory mortgage insurance would fall … Read more

  • Powerball Blues Got You Down? INVEST IN REAL ESTATE!!

    Do the Powerball blues got you down? Yeah, you didn’t win the billion dollars, but I’ve got a great consolation prize for you. It’s called investing in real estate, and unlike Powerball, there’s a lot of winners when it comes to investing in real estate. I know. I bought my first investment property when I was 21 years old, and that eight-plex at 21 years old that was work $350,000 at the time is now valued well over a million … Read more

  • A Seller Paid Buy-Down is 300% BETTER Than a Price Reduction!

    A seller paid interest rate reduction or buy down is 300% more effective than a price reduction and I can prove it. What’s happening right now is our clients are getting sticker shock because not only have home prices gone up but interest rates have moved up. In Utah, we’ve seen appreciation rates in the double digits and we’ve seen interest rates increase by about 1.25% over the last year, causing clients to pause at the monthly payment. What do … Read more

  • Student Loan Debt & Mortgage Decline

    One of the things that trip our clients up the most is student loan indebtedness. Most lenders, whether it be loan officers at other banks that aren’t familiar with working with professionals that have student loans, don’t really identify how to correctly classify those student loan payments, and so a situation that we see very frequently is someone that’ll have $200,000 in student loans, and they’re in deferral, or some sort of an income driven repayment, The loan officer mistakenly … Read more

  • Salt Lake City Approves Accessory Dwelling Unit’s (mother-in-law apartments)

    Summary Good news, ADU’s are now legal and easier to get in Salt Lake City. Here’s the important information… The new ordinance allows for the owner of a property to occupy either the existing home, or the ADU. You can rent out the unit you are not occupying. The ADU can be a free standing structure, or an area or addition of the existing home. You may have 1 ADU per lot. You still have to apply and get approval, … Read more

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