Utah Home Loan - It Should Be More Than Just An Interest Rate...
Your Utah home loan needs to be more strategic than just an interest rate. If all you are doing is shopping mortgage rates, then you are likely going to miss a lot. Here is an example as to why...
John may have found a 5% interest rate on a loan and decided that it would be better for his situation than the 6% loan he currently has. However, the refinance loan cost him money in loan origination fees, the loan is a variable rate loan (the interest rate could rise over time), and he does not plan on living in this home long enough to recoup the fees he paid on the loan. As you can see, this decision was not in line with his overall financial goals.
This is my specialty. My main focus is to ensure that the loan
matches your financial situation and to save you money in the process.
I am different from many other lenders because:
I am a Certified Mortgage Planning Specialist (CMPS). This special designation means that I can help you with your financing needs, while helping on debt reduction strategies, financial planning, tax strategies, and equity management to protect your financial future.
I have an MBA in finance. This benefits you by working with someone that has the training and education to meet your financial needs.
I do Utah mortgages in a consultative way. I like to educate the people I work with so that they understand their options and they can make an educated choice that suits their needs. In fact, much of the information on this site came as a result of the education I have provided to people over the last 18 years.
A great Utah home mortgage is more than just looking at the best interest rates in Utah. You want to work with someone that will take the time to help you make the best financial decision.
Many changes have taken place in the last few years with Utah home loans. One of these changes have to do with additional disclosures and paperwork. Now the process is set up where if you do not have all the disclosures and paperwork completed, the Utah home loan is "non-deliverable" and it cannot be resubmitted. How would you feel to work with a lender that submits the loan package and have it rejected?
Buying a home or refinancing a home can be stressful enough. Working with the wrong lender can add to your stress. Let me show you how my process and my team can reduce the stress.I operate on a process-driven system that ensures all disclosures, forms, and supporting documentation are done correctly, and on time. From time to time, there are hiccups that occur during the process in spite of my system. Rest assured that I will do all in my power to complete the loan process professionally, and as timely as possible.
Even though many of these points speak to how I run my
business, the most important piece is the way that I treat my clients.
Many people talk about how they provide great service, but most of it
is just lip service. I enjoy working with people and I cannot think of
anything more fulfilling in life (as a career) than to help people
achieve their financial goals and have a better way of life.
However, don't take my word for it. Take a look at the testimonials on my site because you will see exactly what others have said about working with me on their Utah home loan.
When everything is said and done, you deserve to work with a mortgage banker that will ensure your needs are met, provide proper education with your loan and other financial areas to ensure an overall plan, and someone that can deliver a world class experience at the same time.
That is my commitment to you...I hope you enjoy the website and that it gives you a taste of what you can expect in working with me on your Utah home loan.
If nothing else, the information on this site will make a difference in your life. If so, then I will have made a difference for you.
Mats Kinnison
Table of Contents
My privacy policy for my website. Take the time to review the policy.
The Utah home loans blog will keep you up to date on mortgage changes. You need this to make the best financial decision.
Contact me if you have any questions regarding Utah home loans, mortgages, or any other financial need.
These gratitude thoughts are for those people that have made significant contributions in my life and made me who I am.
This newsletter signup will keep you in touch with Utah mortgage rate changes as well as changes in laws that affect your personal wealth.
Mortgage loans in Utah come in many different types. Read this information to see when each one makes the most sense.
Looking for mortgage rates Utah? You have come to the right place. Take a look at how rates can vary depending on many factors.
What government loan mortgage Utah programs exist? I will explain the government loans that are available and the benefits of each.
A mortgage debt reduction plan can be created in a couple of ways. Let me show you how to save money where your mortgage is concerned.
My business purpose is to provide you with the information you need to make proper financial decisions with your mortgage.
Utah home buying is not as difficult as you think. Let me show you specific things you can do to make the process easier so you can own your own home!
Sometimes, the mortgage loan process can seem difficult and frustrating. This section of the site will explain the process and the 'why' behind the process.
Your saving money free report is available here. No sign ups or emails required. Everyone needs these methods of saving more money.
I provide real estate agent tools that will help you be more successful. My commitment to my partners is that I can help you grow your business. Let me show you how.
Understanding credit reports and how they work can help you boost your own credit scores. Use these tips and thoughts to boost your scores.
I have provided a list of resources that I feel are the best in the real estate and mortgage industry.
These letters of recommendation will give you a good idea of how I serve my clients. Feel free to read them all.
Looking for Utah government home loan grants? Then you have come to the right place! I specialize in helping first-time borrowers in finding programs to reduce their down payment.
Information on Utah Down Payment options is available for free here. Submit your email address and it will be emailed to you.
A personal financial plan is not as difficult and complex to create as you might think. Here are some easy steps to get a plan set up for your family.
