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Utah Mortgage and Loan
Specialists with your home in mind.

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  Calculate Your Refinance Savings**

1. Your current Mortgage?
       (no commas please)


2. Current interest rate?
       (For example: 7.75 )


3. Your current term?

 4. Your monthly payment?
       (no commas please)

Welcome to Utah Mortgage and Loan

Where our mission is to personally connect you to the best lenders and brokers. We want you to know that you are in good hands. In fact, you have already been given your own personal loan officer to help you with all your lending needs! Want more? How about user-friendly calculators, informative articles and tips that will save you time and money, and when you are already to apply, we have a simple and quick application form.

Whether you have a good or bad credit history, you will be given every opportunity to receive the best financing option available. Even if you had problems in the past, rates are so low that you could a still qualify for a great rate.

Customer Testimonials

> I was a little skeptical when I read on your website that I could refinance my home without requalifying, but that's exactly what happened. The process was extremely easy and hassle free. My rate went from 7.25% (which I thought was pretty good) to only 5.75%. This will save me $80 per month. The closing costs were extremely small compared to all of the other places I checked out and they were also included in my loan, so I didn't have to come up with any money out of pocket. It was perfect! Thanks again for all of your help and for taking the time to answer all of my questions. I would highly recommend your services to anyone. James Scott

> Our interest rate went down from 8.5% fixed to 4.5% variable and lowered our monthly payments by $370 a month! Thank you so much! Jeff and Julie Emmer

> The FHA Streamline refinance you did for us reduced our interest rate from 7.25% fixed to 4.5% variable, lowering our payments by $244 a month! It's been so nice to have that extra money every month! Gabrielle Beckstrom

Elizabeth Stevenson
Loan Specialist

Hours: 10am-6pm Mon.-Fri. MST
Phone: (877) 511-8811
Fax: (866) 897-2452

Benefits of Home Ownership
If you are currently renting and are considering buying a home, here are some of the financial benefits of owning your own home...

Equity - When you purchase a home, you are making an investment, and with every payment you make, you increase the amount of your investment or equity. In addition, your home will also appreciate over time which also increases your equity.

Flexibility - Since you own it, you can do what you want to it, including painting, and home improvement; both of which can increase your homes value.

Tax Breaks - Another advantage to home ownership is that the government allows you to write-off the mortgage interest and property taxes you pay every year from your income. This reduces your taxable income and increases your chances of receiving a tax refund.