(801) 561-4700 info@utahmortgageloan.com

Martha Marriott

Loan Officer

mmarriott@utahmtg.com

Cell (801) 577.2474

Office (801) 561.4700

NMLS # 317984

 

About

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers with mortgage services that exceed their expectations.

I hope you’ll browse my website, check out the different loan programs I have available. Please use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. I look forward to working with you.

Leave your contact info for a free consultation

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...

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...