(801) 561-4700 info@utahmortgageloan.com

Ryan Jensen

Loan Officer

Phone: (801) 906.9635

NMLS # 1359583 

ryanjensen@utahmtg.com

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This is My Story

As a former Brigham Young University football player, Ryan Jensen understands the importance of working together with others in order to reach a common goal. When Ryan started his mortgage career as a loan officer, he noticed his clients needed more information regarding the vast process of homeownership. Ryan then discovered that the need for mortgage knowledge extended past his clients, which led him to start this blog. He hopes to combine Clark’s and his understanding of the mortgage business and share it with readers who are looking to be fully informed on loans. Ryan hopes to answer readers’ questions and inform those making the biggest financial decisions of their lives.

Ryan Jensen’s hobbies include spending time with his wife and dog, making homemade pizza, biking, and camping.

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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...