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

Laith Cain

I was nervous going into this, but everyone at Altius made everything smooth and stress-free. The team explained things clearly and gave me confidence each step of the way.

Response from the owner:Thank you for your kind words, Laith! We're thrilled to hear that our team was able to provide you with a smooth and stress-free experience. Clear communication and supporting our clients throughout the process are our top priorities. Your confidence in us means a lot, and we look forward to assisting you again in the future.

Craig Colyar

Altius was absolutely superb in every way. My loan had some real nuances and Neal was able to find a way to get me the very best rate through his ingenuity. My rate lowered by 2% and is saving me $450/mo. If you want quick, clear, and friendly communication at every step…then Altius is the place to go.

Response from the owner:Thank you Craig!

Kocho

Thanks to the guidance and transparent direction I got from everyone on the Altius team, everything about our refi went smoothly and I felt confidence in all the decisions I was making. I’m really grateful for their help and would absolutely recommend them to friends and family and anyone else looking to refinance an existing mortgage

Response from the owner:Thank you for your wonderful feedback, Kocho! We're thrilled to hear that our team's guidance and support made your refinancing experience smooth and confident. Your recommendation to friends and family means a lot to us. If you need any assistance in the future, please don't hesitate to reach out. We're here to help!

Sarah

My husband and I had a great experience working with Neal at Altius. He was super knowledgeable, responsive, and he made the mortgage process smooth and easy from start to finish. I appreciated his clear communication and dedication in finding the best rates and loan option that best served us. It really felt like he put our needs first

Response from the owner:Thank you for your fantastic review, Sarah! We're thrilled to hear that you and your husband had a great experience working with Neal. His dedication to providing clear communication and finding the best mortgage options is what we strive for. We appreciate your feedback and look forward to assisting you in the future!

Trudy Thompson

A good friend of mine was referred to Altius Mortgage when she and her husband were looking to buy their first home. Without giving out too many details, the agent they were working with found exactly what they were looking for, in the area they wanted to live and work in, and the agent negotiated a very reasonable price and lowered her commission to get this couple in their very first home!!!

Response from the owner:Thank you for sharing your positive experience with Altius Mortgage. It's wonderful to hear how our agents are dedicated to finding the perfect home for our clients while also working to negotiate the best terms. We strive to provide exceptional service, especially to first-time homebuyers, and it's gratifying to know we made a difference for your friend. Your support means a lot to us as we continue to help others achieve their homeownership dreams.

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

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!

holly mcbride

Such an awesome company! Highly recommend!

Response from the owner:Thank you for your kind words, Holly! We're thrilled to hear you had a great experience with us. Your recommendation means a lot, and we look forward to serving you again!

M Sisson

You know a company is fabulous when months later, you keep remembering that you need to write a google review. Several months ago, my husband and I worked with Altius and it was THE BEST experience! I truly appreciate their patience, kindness, help, and amazing communication! Neal and Todd helped us to strategize which bills to adjust so that our credit score was increased significantly and we were able to get the best rate available. Neal & Todd, thanks SO VERY MUCH and we plan to always do business with y'all in the future! Best wishes!

Response from the owner:Thank you so much for your wonderful review, M! We are thrilled to hear about your positive experience with Neal and Todd. It's great to know our efforts to support you made a difference. We look forward to working with you again in the future!

alexis gundersen

Neal Bingham was very helpful in our adventure of buying a home! I would highly recommend his services!

Response from the owner:Thanks so much for your kind words. It was a pleasure working with you and Andy on your home purchase.

Cody Day

I had the pleasure of working with Neal Bingham and the team at Altius Mortgage, and they truly exceeded my expectations. From start to finish, Neal’s professionalism, expertise, and dedication to his clients stood out. He guided me through every step of the process, answering all my questions and making sure I understood each detail. Neal was proactive, thorough, and always accessible, which made the entire experience smooth and stress-free. I highly recommend Neal Bingham and Altius Mortgage to anyone looking for a trusted and reliable mortgage partner!

Response from the owner:Thank you for your wonderful review, Cody! We're thrilled to hear that Neal and our team exceeded your expectations. Your satisfaction is our top priority, and we appreciate your recommendation. We look forward to assisting you again in the future!

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.