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.

Excellent 4.9 out of 5

Network of 30+ Top National Lenders

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

Altius Mortgage

See all reviews

Vance Taylor

I'm honestly still in a bit of disbelief over how easily and quickly I was able to secure the capital I needed to expand my business. Altius wasn't my first call, and the other options I'd explored prior were very much "inside the box" thinkers who couldn't see a path for leveraging my multiple assets and strong credit score to finance my next stage of growth.
Neal Bingham at Altius, however, instantly understood what I was trying to do and made short work of aligning my needs and goals with the ideal financial vehicle to get me there.
A quick online application later (and I mean literally the shortest, fastest application I've ever seen for anything) and I was done. Approved in a matter of hours, video call with a notary same day, and funded 2 days later. Neal texted me regularly throughout to make sure I had everything I needed but, frankly, it was so straightforward and simple I didn't even need the help. We mostly just chatted about our families and "origin stories" 😄
There is no shortage of fin tech pop-ups and would-be lenders out there. It can feel overwhelming, especially once you start looking because you get a big red target on your back. My advice, just call Neal and Altius and go get your funding. No stress. No mess.

Response from the owner:Vance, thank you for the fantastic review and for trusting Neal and Altius with your financing needs. We’re thrilled the application was so fast, that Neal could align your assets and goals, and that you were funded in days while still enjoying the personal touch. Your recommendation means a lot to us, and we’re here to support your next stage of growth whenever you need.

Will Wright

Neal is the best. He’s been instrumental in helping each of our children prepare to purchase their first homes. He’s patient and knowledgeable and super easy to work with. Highly recommend.

Response from the owner:Thank you so much for your positive feedback, Will! We're delighted to hear you've had such a great experience with Neal. We'll take into consideration your suggestion about getting licensed in Idaho. We appreciate your business.

Bonnie Wright

Neal Bingham was great to work with, he made the whole process a breeze. Closing at our house was an extra bonus! Altius Mortgage and Neal Bingham will be my first choice when I am in the market for my next home.

Response from the owner:Thank you, Bonnie — we’re thrilled Neal made the process a breeze and that closing at your house was an extra bonus. We’ll be sure to pass along your kind words to Neal and the team. We’re honored to be your first choice and look forward to helping you again when you’re ready.

Jan Lobos

Victor and his team were super awesome to work with. They made the entire process of our refinance easy and they had great flexibility with our tight schedules. Overall our experience with them was great and they’ll always be our first choice.

Response from the owner:Thank you so much, Jan. We’re thrilled Victor and the team made your refinance easy and were able to accommodate your tight schedule. We truly appreciate you choosing us and are honored to be your first choice. Please reach out anytime we can help again.

hannah murray

Neil was so kind and helpful throughout the whole process of buying our home! He really knows his stuff and knew how to best help us in our individual situation - he’s the best!

Response from the owner:Thank you, Hannah — we really appreciate your kind words! We’re thrilled Neil was so helpful and knowledgeable throughout your home-buying process and that he could tailor his support to your situation. Congratulations on your new home, and please let us know if you need anything else.

Dylan Bostock

Neil is the best! He made a stressful and big process seem simple and easy!

Response from the owner:Dylan, thank you for the kind words! We're thrilled Neil made a stressful process feel simple and easy. We'll pass this on to him, and the whole team appreciates hearing it. If you need anything else in the future, we're here to help.

Kaylin Bingham

Highly recommend working with Neal Bingham from Altius Mortgage! We had a great experience and Neal was so supportive throughout the process of refinancing. He was very thorough and involved us in all the details to get us the best rate!

Response from the owner:Thank you so much for recommending Neal and Altius Mortgage, Kaylin. We’re thrilled Neal provided thorough, supportive guidance and helped secure the best rate during your refinance. We appreciate your trust and look forward to assisting you with any future mortgage needs.

Lisa Price

I couldn't have asked for a better mortgage approval experience than I had with Altius Mortgage and with Neal Bingham in particular. Neal helped me through the whole process, answered all my questions and was very prompt and thorough in his communications. He gave me advice and helped me find a great realtor to work with. He was wonderful to work with. If I buy another property, I would use him again and I would recommend him to anyone.

Response from the owner:Thank you, Lisa, for the wonderful review and for recommending Neal and Altius Mortgage. We're thrilled Neal made the mortgage process smooth, answered your questions promptly, and helped you find a great realtor. We’ll be sure to pass along your kind words to Neal. We look forward to helping you with any future property purchases.

Heather Denning

Highly recommend. They made buying our first home unforgettable. Easy to work with. Always there and still are available with any questions. If I had to use them again I would Neal Bingham was amazing to work with.

Response from the owner:Thank you for your kind words, Heather! We're thrilled to hear that your experience with us made buying your first home unforgettable. We're always here to help with any questions you may have. Your recommendation means a lot to us!

Tanner Cash

Fantastic experience overall! Neal especially treated us like family and was very patient and honest with all our questions, even if it didn’t best serve him/the company. Also very patient with our toddlers during the signing process. We’ll be using Altius for years to come!

Response from the owner:Tanner, thank you so much for the wonderful 5-star review. We're thrilled Neal made you feel like family and took the time to answer everything honestly, and we're glad he was patient with your toddlers during the signing. It means a lot that you’ll be using Altius for years to come. We appreciate your trust and look forward to serving your family again.

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.