(801) 561-4700 info@utahmortgageloan.com

Steven Sims

Loan Officer


Office: (801) 693.UTAH (8824)

Cell: (801) 599.9227

NMLS # 334513

This is My Story

Steve Sims has been in mortgage lending for 27 years and has been instrumental in the funding of literally billions of dollars worth of loans in Utah.  He founded Western Fidelity Mortgage in 1990, a company which he grew to 6 branches and 60 employees, consistently listed as a top 10 lender by Rocky Mountain Review.  Aside from running day to day operations of lending, Steve was also a Direct Endorsement Underwriter for many years.  This gives YOU, his clients, a distinct advantage.  When Steve issues a Pre Qualification Real Estate Agents take notice.  They know your offer is “good as gold”.   With Steve on your side you know you are getting top notch information and service.

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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...