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Loan Options We Offer

At Altius Mortgage, we understand the excitement and anticipation that comes with purchasing a home. It’s a significant milestone, and we’re here to help you navigate the process smoothly with our diverse range of Home Purchase Loans. We offer a variety of loan options to cater to different financial situations and needs. Some of our most popular options include: Conventional Loans: These loans are not backed by the government and typically require a down payment of 20% or more. However, they often offer competitive interest rates and flexible terms. FHA Loans: Backed by the Federal Housing Administration (FHA), these loans allow for a lower down payment (as low as 3.5%) and are a good option for first-time homebuyers or those with less money saved for a down payment. VA Loans: Offered by the Department of Veterans Affairs, these loans are available to eligible veterans and active-duty service members with no down payment required and typically offer competitive interest rates. USDA Loans: Backed by the United States Department of Agriculture (USDA), these loans are designed for borrowers in rural areas and often require no down payment. Benefits of Choosing Altius Mortgage for Your Home Purchase Loan

Benefits

Experienced Loan Officers: Our dedicated and knowledgeable loan officers will guide you through every step of the home loan process, ensuring a smooth and stress-free experience. Competitive Rates and flexible terms: We strive to offer competitive rates and flexible terms on all our loan products to fit your individual needs and budget. Streamlined Process: We use the latest technology and efficient processes to make the loan application process fast and easy. Commitment to Transparency: We believe in clear communication and will keep you informed throughout the entire loan process. Local Expertise: With deep roots in Utah, we understand the local market and can provide valuable insights to help you make informed decisions. The Homebuying Process

Buying a Home with Altius Mortgage

Buying a home can seem complex, but we’re here to break it down into manageable steps: Pre-qualification: Get pre-qualified to determine your loan eligibility and estimated purchase price range. House Hunting: Find your dream home with the help of a real estate agent. Offer and Contract: Once you find your dream home, submit an offer and sign a purchase contract. Loan Application: Submit your formal loan application with all required documents. Underwriting: The lender will review your financial situation and verify all information. Closing: Once approved, finalize the loan documentation and officially close on your new home. Getting Started with Your Home Loan

Ready to Take the First Step?

Ready to take the first step towards your dream home? Here’s how to get started: Contact a Loan Officer: Our experienced loan officers are available to discuss your options, answer your questions, and guide you through the pre-qualification process. Explore our Online Resources: Use our mortgage calculator, browse FAQs, and learn more about the homebuying process on our website. Get a Free Quote: Get a free personalized quote to estimate your potential monthly payments and see how much home you can afford. Additional Resources

Additional Resources to Help You

Down Payment Assistance Programs: Learn more about our down payment assistance programs to help you bridge the gap towards your down payment. Utah Housing Corporation: Explore resources and programs offered by the Utah Housing Corporation to assist homebuyers. Let Altius Mortgage be your trusted partner on your homeownership journey. Contact us today and experience the difference!