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
Mr. Neal Bingham
Neal Bingham
NMLS ID 208011
David Monson

NMLS ID 293876

Victor Orlando Reyes

NMLS ID 1576259

Ms. Brittany Butterfield
Brittany Butterfield

NMLS ID 2000481

MR. Gerry Weber
Gerry Weber

NMLS ID 310009

Mr. Darren Cardwell
Darren Cardwell

NMLS ID 2159177

David George

NMLS ID 311195

Lisa George

NMLS ID 1642185

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Kristin Drechsel

NMLS ID 309155

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Tom Jager

NMLS ID 318017

Bri Sorenson
5 days ago
Victor at Altius mortgage helped me get into my home. He was great! Very attentive, detail oriented and helped answer any and every question along the way. He made the tedious process of buying a home simple and easy. He provided great service all along the way and even great follow up after it was all said and done. They made a customer for life after this transaction. Highly recommend
Response from the owner:Thank you so much for the wonderful review, Bri! We’re thrilled Victor and the Altius Mortgage team could make the homebuying process simple and supportive. Your trust and recommendation mean a lot to us, and we’re honored to be part of your journey. Congratulations on your new home, and please reach out anytime if you need anything in the future.
Dillon Kirk
5 days ago
Victor was amazing, it was my first time buying a home during the process of planning a wedding, Victor made it so easy and stress free by walking us through every detail in a way we can understand, he will always be the guy I will choose in the future.
Response from the owner:Thank you so much for the wonderful review, Dillon. We’re thrilled Victor could make your first home purchase stress-free and clear while you were planning a wedding. We’ll be sure to pass your kind words along to him. It means a lot that you’ll choose Victor again in the future.
Bree Bailey
5 days ago
We had the best experience with Victor! We genuinely did not think we would get our dream home but he went above and beyond to help us not just get into this house but understand each step and what to expect at every turn. With all the information and stress that goes into buying and selling a home, Victor took so much stress away making sure we really understood what we were doing and the process of owning a home.
Response from the owner:Bree, thank you for the wonderful review! We're thrilled Victor could help you find your dream home and make the process clear and less stressful. We'll share your kind words with him. Congratulations on your new home and please reach out if you need anything else.
Irma Muro
5 days ago
Victor is a wonderful mortgage officer. He has helped us since we first got our home and now multiple time to lower our rate. He always gives us clear expectation of the process and what we will be paying for. It’s always a pleasure to work with him.
Response from the owner:Thank you so much for your kind words, Irma. We’re thrilled Victor has been able to help you since your first home and again with lowering your rate — we’ll be sure to pass your praise along to him. It means a lot to hear our communication and service made the process clear and pleasant. We look forward to assisting you again whenever you need us.
Kole Roskelley
2 weeks ago
Neal was very helpful with our first home purchase. He was very kind and patient with answering our questions and was very knowledgeable with different options we could take for our mortgage. Would highly recommend working with Neal.
Response from the owner:Thank you so much for the kind review and recommendation. Congratulations on your first home — we’re thrilled Neal could make the process easier by answering questions and explaining your mortgage options. We appreciate you trusting us and are here if you need anything with your mortgage or future moves.
Vance Taylor
4 weeks ago
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
1 month ago
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
1 month ago
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
1 month ago
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
1 month ago
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.

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.

A portrait of house construction

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.

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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.
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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.

Altius Mortgage Calculator

Get a detailed breakdown of your mortgage payments over time, helping you plan your finances effectively

Get in touch!

Your Dream of Home Ownership is within Reach.

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NMLS ID #192521
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