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At Utah Mortgage we make home buying simple


This first step is crucial and will set the stage for the entire process going forward. You and your Utah Mortgage loan officer will assess credit-worthiness, establish expectations, and discuss some available financing options.



The goal of our application is to gather as much information as possible up front. This gives us a major head start and allows us to fly through the process.


This is where you come in. We need your help getting your documents in as fast as possible. You will team up with your loan officer to collect items such as W2s, Pay Stubs, Bank Statements, and Employment History.



We team up with an industry leading appraisal management company that helps us keep the ball rolling. By maintaining a high standard for who we partner with, we can streamline what is often an extremely time consuming step.

Upfront Credit Approval

Utah Mortgage pre-approves every loan by checking credit, employment, etc. at the beginning of the loan process. This gives you a major advantage in a crowded market, and helps prevent any last minute rushing. Our approach allows you to bypass an industry full of stressful and slow lenders.


Approved with Conditions

Congrats, you’re now approved with conditions. Conditions are like little red flags that show there are still items to address. You will work with your loan officer and resolve these. Now it’s time to move forward into processing

Final Underwriting

The Underwriter will now review your loan and verify that all conditions have been taken care of. The loan process is now complete and is ready for closing.



We work alongside the title company to assemble the final paperwork and confirm the total funds needed for the closing day. Everything we do leading up to this point ensures that the closing table is a smooth and exciting experience. Now, enjoy the moment as you receive the keys to your new home.

Talk with an Expert

All of our Loan Officers are licensed to help you receive a mortgage anywhere within the state of Utah.