Utah's Trusted Mortgage Brokers

Want your dream home? We can help. Altius Mortgage makes buying, refinancing, or investing in a home easy. Our experienced team is here to guide you through every step of the process, ensuring you understand your options and make the best decisions for your financial future. As one of the leading mortgage companies in Utah, we offer a wide range of loan products, including conventional loans, FHA, VA loans, and more. Our mortgage brokers in Draper, UT, will work closely with you to understand your financial needs and find the perfect loan for you. We pride ourselves on our customer service and dedication to helping you find the best home mortgage in Utah.

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Home Loans

Made Easy With Altius

Choosing the right home matters. Utah mortgages can be tough to market, but with Altius, our home mortgage brokers in Utah will find you the perfect loan for your next home. At Altius, we recognize that each homebuyer’s financial situation is unique. That’s why we offer a personalized approach to mortgage lending, carefully assessing your needs to match you with the best home mortgage in Utah. Whether you’re a first-time buyer or a seasoned homeowner, we have the expertise to help you make informed decisions about your mortgage.

As your trusted Utah mortgage company, we don’t just provide loans – we provide clarity. From interest rates to down payment options, we handle the complexities for you so you can focus on the excitement of your new home. Our local insight and industry experience are why we’re the area’s go-to mortgage experts.

Find Your Loan Officer

Introducing our team leaders, guiding visionaries and remarkable members driving excellence in every endeavor

Neal Bingham

NMLS ID 208011

David Monson

NMLS ID 293876

Victor Orlando Reyes

NMLS ID 1576259

Brittany Butterfield

NMLS ID 2000481

Gerry Weber

NMLS ID 310009

Darren Cardwell

NMLS ID 2159177

David George

NMLS ID 311195

Lisa George

NMLS ID 1642185

Kristin Drechsel

NMLS ID 309155

Tom Jager

NMLS ID 318017

View Team Page

Home Loan Options

Your Home, Your Loan.

Need a home loan? We offer many types of loans to fit your needs and budget, including conventional, FHA, VA, and USDA. Let Altius Mortgage find the perfect loan for you.

Construction Loans

A construction loan is a short-term financing option specifically tailored for funding the construction of a new home. Unlike traditional mortgages, which are disbursed in a lump sum, construction loans are released in phases, corresponding to the completion of specific construction milestones. This approach ensures that funds are used wisely and allocated as needed throughout the building process.

Reverse Mortgages

A reverse mortgage is a unique loan product designed specifically for homeowners aged 62 and above. It allows you to access a portion of the equity you’ve built up in your home without having to sell or make monthly payments. Unlike traditional mortgages, the loan balance grows over time as you receive funds, rather than decreasing with each payment.

Down Payment Assistance

Are you dreaming of owning a home in the beautiful state of Utah but worried about the upfront costs? At Altius Mortgage, based in Draper, UT, we understand that saving for a down payment can be one of the biggest hurdles for prospective homeowners. That’s why we’re committed to providing top-notch mortgage down payment assistance Utah residents can rely on.

Debt Consolidation

Are you feeling overwhelmed by multiple debts and looking for a way to manage your finances more effectively? At Altius Mortgage, we understand how stressful it can be to juggle various loans and credit card payments. Based in Draper, UT, we’re proud to offer our expert debt consolidation services to Salt Lake City residents and help you regain control of your financial future.

Non-QM Loans

Focuses on offering loan options for borrowers with non-traditional income sources or credit challenges, ensuring broader accessibility to home financing.

Loan Programs for Investors

Catering specifically to real estate investors, these programs offer financing solutions for investment properties, including rental and resale ventures.

Home Purchase Loans

Offering a variety of loan options for buying a home, including conventional, FHA, VA, and USDA loans, each tailored to different borrower needs and financial situations.

Refinancing Solutions

Provides options to refinance existing mortgages, helping homeowners to adjust their interest rates and terms or access equity through cash-out refinancing.

First-Time Homebuyer Programs

Specialized services designed to assist first-time buyers, including educational resources and down payment assistance, to make the home buying process more accessible and manageable.

Frequently Asked Questions

First Time Home Buyers

What are the requirements for first-time home buyers to qualify for a loan?

To qualify, you typically need a credit score of at least 620, a stable income, and a debt-to-income ratio lower than 43%. Some programs allow lower credit scores or DTIs.

What programs are available specifically for first-time home buyers?

Programs include FHA loans with lower down payments, USDA loans for rural homes, VA loans for veterans, and local first-time buyer assistance programs offering grants or down payment assistance.

How much down payment is typically required for first-time home buyers?

Down payments can range from 0% (VA and USDA loans) to 3.5% (FHA loans) and up to 20% for conventional loans, depending on the loan type and your credit situation.

What are the advantages of being a first-time home buyer?

Advantages include access to special loan programs, lower down payments, potential tax benefits, and various state or local grants and programs designed to help first-time buyers.

What should I know about the home buying process as a first-time buyer?

Understand your budget, get pre-approved for a mortgage, research neighborhoods, hire a real estate agent, and be prepared for closing costs and other expenses beyond the down payment.