(801) 561-4700 info@utahmortgageloan.com
My professional background involves problem solving, efficiency, and resolution. In my leadership position, I worked conscientiously with others to increase their proficiencies and improve their lives financially.

One of the things I love about this business is helping others! Whether it be helping someone get into their first home or their dream home, I will work diligently to make sure it’s a wonderful experience!

We have an incredible team at Utah Mortgage Loan Corporation with experts in every department. In fact, we have been in business over 100 years and have lots of experience to draw from. Our goal is to make this is as smooth and expedient transaction as possible for you.

After you have filled out an online application, I will call you. I will go over the best options. Together, we can determine what product work’s best for your home-buying or refinancing needs.

I love fishing, hiking and camping! These activities are just minutes away from downtown Ogden. It’s a scenic and wonderful place to live. That is why I’ve lived in the area for 24 years.

I’m a wife and mother of two active sons, one of which attends Weber State University. They both also love the outdoors and what our beautiful state has to offer!

Ruby Hales

Loan Officer

Contact Me

ruby@utahmtg.com

Direct (385) 626.9885

Office (801) 561.4700

NMLS # 1691837

Leave your contact info for a free consultation

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...