Mortgage Brokers in Salt Lake City, UT
Our Loan Programs - Our mortgage brokers in Salt Lake City, UT offer Conventional, FHA, VA, Non-Conforming and Private Money loans.
Conventional
Conventional loans are the most common in the mortgage industry. They’re funded by retail and wholesale lenders and then sold to government-sponsored enterprises like Fannie Mae and Freddie Mac.
FHA
An FHA loan is a mortgage insured by the Federal Housing Administration. Allowing down payments as low as 3.5% with a 580 FICO, FHA loans are helpful for buyers with limited savings or lower credit scores.
VA
A VA loan is a $0-down mortgage option funded by lenders and partially backed, or guaranteed, by the Department of Veterans Affairs (VA). Eligible borrowers can use a VA loan to purchase a property as their primary residence or refinance an existing mortgage.
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The experience of working with Zach was exceptional. He was patient with my numerous first-time homebuyer questions, informative through keeping up with market trends, and made the lender-borrower relationship personal. This was evident in quick responses during “off-hours” and he was incredibly trustworthy throughout each interaction. I couldn’t recommend him enough as a partner in the home buying process.
-Hiwa N.
As a Realtor, I work with many loan officers. At a certain point, all loans are the same, right? Where Zach excels is in the lower-than-average closing costs and that he keeps checking rates, even after locking, to see if they go down again. Outstanding! Clients are very happy. And we’ve never missed or extended a deadline. Love the accuracy.
-Jeff B.
I am so grateful that my sister sent me to seminar on the home buying process set up by Zachary Watson and Colt Johnson Real Estate (These two make an amazing team!).
I was very hesitant, because I work at a financial institution and I thought that Zach would not be able to get me as good of a rate or take care of me as well. I was wrong. Zach is AMAZING. Buying your first home is very frightening, and I was very back and for with Zach for a couple of months before I choose to work with him. He was very patient and answered my millions of questions before I had even agreed to work with him. I feel like his primary goal is to make sure is clients are educated on the process and making sure that the trust he builds is earned. Zach still reaches out to make sure everything with the new house and mortgage is going well. Zach has earned a customer for life and 5 star review from me.
-Ashley F.
Zach was awesome to work with! He helped us find the best rate & made buying a home simple. He went above and beyond to help us!! He also helped us refinance and made that process easy too. We will definitely go to him again with any mortgage and financing concerns.
-Julia H.
Zach is phenomenal to work with! He helped us learn, look and eventually purchase a home. He helped talk over the financial side with me making sure I completely understood every aspect of the loan. He was very pro active and got our loan approved ahead of schedule. If you’re looking for someone to help with your mortgage loan look no further than Zach Watson.
-Jason T.
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