(801) 561-4700 info@utahmortgageloan.com

Cameron Cook

Loan Officer

cameron@utahmtg.com

Cell: (208) 890.0090

Office: (801) 561.4700

NMLS # 1712079

 

I know that your time is important. I’m here to simplify the loan process for you. At Utah Mortgage Loan Corporation, my team and I will help make your purchase or refinance go as smooth as possible. We have access to every major loan program in residential lending and provide extremely competitive interest rates. All processing and underwriting is done in house, which makes our closing times much shorter than the industry average. With that in mind, my personal goal is to ensure you the best experience possible while obtaining the best home loan available for you.

I graduated from Utah State University with a Bachelor’s degree in Business Management and Human Resources. Soon after graduating, I began a career as a Residential Real Estate Appraiser. I currently hold a certified appraisal license, which helps be an even better advocate for my clients in getting the right home loan. I am a Cache Valley native. It is where I call home with my wife and four children. In my time off, I enjoy horses, skiing, guitars, and home restorations.

Please apply above or give me a call today and we can get you started on the path to your dream home.

Leave your contact info for a free consultation

Tips for First-Time Home Buyers

Many people fear that the American dream of owning a home will never come true for them.  This could not be farther from the truth!  The truth is, anyone can get into a home!  The key is knowing what you need to do now to start preparing for the right time to buy. ...

Proper Open House Etiquette

One of the most important parts of the home search is attending open houses.  The primary purpose of the open house is to make sure the home meets your expectations and to see if you can picture yourself living in the home.  One important part of attending open houses...

What to Fix When Selling Your Home

When it comes to selling a home, a lot of people don't know what is necessary to get their home into proper selling shape.  Some people over think it and spend more than they need to on repairs.  Other people may think that there home is just fine the way it is, but...

Affordable Mortgage Options

There are many people that still think you need a large down payment saved up to be able to buy a home.  This is simply NOT true!  There are so many affordable loan programs out there now days.  There are 3% down programs like Home Ready and Home Possible, there is...

Make Your Home Buying Process Fast and Easy

Do you want to make your home buying process fast and easy?  Identifying and gathering the necessary documentation ahead of time will help you get approved quicker.  When applying for a home loan, all income and funds for closing costs and down payment have to be...

Keeping Your Lawn Green Through the Summer

Summer is fast approaching!  One of the many challenges homeowners face in the summer is keeping their grass green!  It can be so hard to find the right balance between watering too much and watering too little.  The right combination of appropriate watering and use...

Thinking About Investing in Real Estate?

Are you thinking about purchasing an investment property?  Many people want to invest in real estate, but they are hesitant because they do not know what to expect.  The key to the success of any landlord is being able to effectively and efficiently manage your...

Finding the Right Neighborhood

Any purchase requires some research and background information to make sure you are making the right decision.  Buying a home is no different.  It is important to check out the neighborhood and the surrounding areas before you purchase a home.  You want to make sure...

How To Save Money and Pay off Debt

Hearing the term “30 year mortgage” can seem very daunting.  No one wants to have a debt hanging over them for 30 years!  If you have a mortgage, you have probably wondered what you can do to pay it off early.  This thought can seem like an unobtainable goal if you...

Home Improvements That Can Save You Money

When we hear the term “home improvement” we typically think of a large expense and a major renovation.  The truth is, not all home improvements cost a fortune and some types of home improvements can even save you money in the long run.  These types of home...

New Easter Ideas and Traditions

Easter is just around the corner!  We only have a little more than a week left before we celebrate a wonderful holiday with some of the best traditions of the year!  Now, we all have our traditions that we HAVE to do every year.  Some of these traditions have been...

Tips and Tricks for Getting Your Spring Garden Started

Spring is here!  Or is it?!  Finding the right time to start planting your garden can sometimes feel like a roll of the dice in Utah.  How do you weigh the risk vs. reward and figure out when is the right time to start planting?  And how can you make sure that your...

Sell Quicker by Helping Buyers Feel at Home

Selling a home is can sometimes be just as stressful as buying a home.  If your home remains on the market month after month without any offers, it can be discouraging.  Many people wonder what they are doing wrong or what is wrong with their house that is making...

Make Your Moving Day Chaos-Free With These Pro Tips

Everyone knows that moving is stressful.  Anyone who has ever moved has asked themselves these questions:  “Where do I start?”  “What am I going to put everything in?”  “How did we acquire so much junk?”  “Is this even worth it?” and on and on and on.  Effective...

Why FHA is a Great Option When Buying a Home

There are many different kinds of loan programs out there.  Determining which loan program is right for you can be a difficult task.  Our mortgage professionals take the time to train and education themselves on all the different types of loan programs so they can...

“Sale Pending” Does Not Mean “Sold”

A pending sale means that someone has made an offer on the home and that offer has been accepted.  It does not mean that the loan has been closed or that the home is sold.  A home will remain in the pending process until all of the legal work has been completed and...

How is the Spring Housing Market Shaping Up?

As the winter season is coming to an end and spring is just around the corner, we can expect the housing market to start getting back into full swing. The market over the past 12 months has been largely in favor of the sellers due to low inventory and high demand. ...

Getting a Home Loan After a Bankruptcy

Many people believe that getting a home loan after a bankruptcy is impossible.  This is simply not true.  It is possible to get a mortgage after a bankruptcy.  There are just specific rules and regulations you have to follow to qualify.  There are several different...

5 Things Your Mortgage Lender Wants You to Know

Searching for a new home is a lot of fun, but the financial side of things can sometimes feel a little overwhelming. Having a good mortgage lender can really help simplify this process as they guide you through it. In order for your loan officer to give you the best...

Smart Home Technology is Redefining Luxury Living

The last 5-10 years have brought in a wave of new “smart” technology.  One of the industries most affected by these innovations has been the housing industry.  These new electronics are redefining luxury living in a multitude of ways.  Pretty much anything electronic...

The Ten Commandments of Buying a Home

Getting the financing for your home may seem like an easy task if you have are really good loan officer, but many people don’t realize that there are several  road blocks that could shut down the whole process if you are not careful.  These “commandments” are some...

How to Prepare to Purchase Your Next Home

Most people who have experienced buying a home probably feel like they have a pretty good idea for what to expect when it comes time to purchase their next home.  The reality is, however, every home buying experience is different.  There are always different...

How to Stick With Your New Year’s Resolutions

New Year’s resolutions seem to be some of the hardest goals to achieve.  More often than not, we end up giving up on, or forgetting about, our New Year’s resolutions before we are even half way through the New Year.  There are many different reasons for this, but the...

Home Ownership: 4 Easy Steps to Get You Started

Buying a home can seem like an overwhelming task.  There are just so many things to think about from money, to finding the right home, to moving stresses, and everything in between.  When it comes to breaking all of these tasks out into a step by step process, most...

Why More Americans Are Using Real Estate Agents

There are many trends going around these days that are encouraging home buyers to purchase a home without using a real estate agent.  Some of these other options include using an app or website to help you find your home, or just doing it yourself.  Despite these new...

Make This Christmas Less Stressful

With the big day less than a week away, it is pretty common for everyone's stress levels to turn up a notch. It doesn't have to be this way! Here are a few easy tips to make your holiday less stressful and help you enjoy this fabulous time of year.   1.)...

Down Payment Assistance Programs

One major concern for people when it comes to buying a home is whether or not they will have enough money for a down payment.  The good news is that there are many different ways to get help with your down payment if you are unable to come up with the money on your...

Avoid Getting a Higher Rate Due to a Low Credit Score

When it comes to getting the best possible interest rate on your mortgage, a good credit score can go a long way.  Your credit score is a representation of how likely you are to pay your debts in a timely manner.  In other words, it is a representation of how much...

Going Through the Mortgage Process

Many people do not know what to expect when they go through the mortgage process.  It can be intimidating to go into the home buying experience without knowing how long it is going to take or what you are going to have to do.  On the other hand, it is very beneficial...

Buying a Home When You Have Student Debt

One common misconception about buying a home is that it is just not possible to do while you are going to school or paying off student debt.  This is simply NOT true.  There are many people that buy a home while they are still paying off student debt.  Below is a list...

Learn How to Optimize Your Credit Scores

Applying for a loan can be stressful.  One of the biggest things our clients worry about is credit worthiness.   Below is a list of things to avoid when going through the loan process to ensure that you maintain your credit scores.   Doing anything to Cause a Red...

Do’s and Don’ts During the Loan Process

During the loan process, you'll want to avoid negatively impacting your loan pre-approval in any way. Lenders look for stability and consistency, and you are responsible for maintaining your financial situation all the way through to loan...

Finding the Right Homeowners Insurance

Finding the right insurance policy for your home purchase is one of the most important ingredients when buying an existing home or a new home. When companies begin to talk about replacement values or deductibles, it sometimes get frustrating to figure out what to do...

Use Your Home to Get Cash

Home values in Utah have been rising the past several years. The average selling price along the Wasatch Front has grown 35% since 2013. This includes Weber, Davis, Salt Lake, Tooele, and Utah counties. In 2017, the average home sold for $304,000. Source via Salt Lake...

Understanding VA Loans

Veterans Administration (VA) loans are a fantastic way to obtain home financing for America’s servicemen and women. VA loans are insured by the Veterans Administration allowing private lenders to lend up to 100% of the purchase price. There are several significant...

Advantages and Disadvantages of FHA Loans

An FHA loan is one that is insured by the government and backed by the Federal Housing Authority (FHA). This insurance offers protection to Private lenders who fund FHA loans. In the event of default, FHA will help cover losses incurred by the lender. Lenders are then...

Advantages and Disadvantages of Conventional Lending

A Conventional loan is one that is insured, funded and serviced by private lenders as apposed to FHA, VA, or USDA loans which are also funded and serviced by the private sector, but are insured by the government. Here we will discuss some advantages and disadvantages...

Mortgage rates remain near all-time lows

Thinking about buying a home? You’ve probably seen news reports that mortgage rates have increased. But it’s important to put today’s mortgage rates into perspective. It still can be a great time to buy a home. Mortgage rates have been bouncing around all-time lows...