Business Details
9 Years
experience
Your Trusted Mortgage Partner in Salt Lake City
RoBUS Mortgage is a direct lender and full-service brokerage committed to providing tailored mortgage solutions. With over 20 years of combined experience, our team specializes in conventional, VA, jumbo, and self-employed borrower loans, leveraging technology and low overhead to deliver competitive rates. We prioritize client relationships, eliminating bureaucratic delays common in larger institutions.Since 2017, we've donated to the Utah Food Bank through our 'Close a Loan, Feed 10 Families' initiative, reflecting our dedication to community impact. Our expertise in complex financing scenarios, including no-income and asset depletion loans, positions us as a trusted partner for diverse mortgage needs.
Services
Conventional Loans
VA Loans
Jumbo Loans
Self-Employed Mortgages
No-Income Loans
FHA Loans
USDA Loans
Rental Income Loans
Reverse Mortgages
Asset Depletion Loans
Details
- Year established: 2017
Highlights and features
- We offer 20+ years of mortgage industry experience with personalized service.
- Our dual role as direct lender and broker provides access to more loan options.
- We leverage technology to reduce costs and pass savings to clients.
- Our 'Close a Loan, Feed 10 Families' program supports local communities.
- We specialize in complex cases like self-employed and no-income borrowers.
Associations and certifications
- NMLS
What people say
Fast closings
Personalized guidance
Expertise in self-employed loans
Transparent communication
Community-focused initiatives
Services
Conventional Loans
RoBUS Mortgage offers conventional loans with competitive rates and flexible terms. As a direct correspondent lender, we provide fast funding averaging 10 business days from application to close. Our conventional loans cater to borrowers with credit scores as low as 580, offering manual underwriting and terms from 10 to 30 years. These loans are ideal for home purchases, refinancing, and investment properties, with options for low down payments and reduced mortgage insurance requirements.
VA Loans
Our VA loan program serves active-duty military, veterans, and spouses with favorable terms. We offer 100% financing, no mortgage insurance, and streamlined refinancing options. With expertise in VA-specific benefits like funding fee waivers for disabled veterans, we process loans down to 500 credit scores and close in as few as 9 business days. These loans support purchases, cash-out refinances, and investment property financing, leveraging VA entitlement programs for multiple loans.
Jumbo Loans
RoBUS Mortgage specializes in jumbo loans exceeding conforming limits, up to $15 million. We provide 5% down payment options, interest-only terms, and no mortgage insurance for qualified borrowers. Our jumbo loans cater to high-net-worth individuals and investors, with flexible underwriting for self-employed borrowers and alternative income documentation. These loans are available nationwide, including VA jumbo options with no loan limits.
Self-Employed Mortgages
We address unique income challenges for self-employed borrowers using bank statements, asset depletion, or rental income. Our programs require as little as 2 months of bank statements and accept tax returns showing minimal taxable income. With specialized underwriting, we offer competitive rates for business owners, freelancers, and entrepreneurs, ensuring access to conventional or non-QM loan options without traditional income verification.
No-Income Loans
Our no-income loans prioritize assets over traditional income verification, requiring 25% equity and a 680 credit score. These loans use cash reserves, investments, or property equity to qualify, ideal for borrowers with irregular income or recent career transitions. We offer purchase and refinance options, including cash-out reserves, for primary residences without documented employment history.
People
Jonathan Miller
Owner/Broker
Jonathan Miller, a 20-year mortgage veteran, has closed $600M in residential loans. He holds an MBA from the University of Utah and focuses on client financial health beyond single transactions.
Ryan Taylor
Senior Loan Officer
Ryan Taylor specializes in guiding clients through home ownership and refinancing, leveraging global experience to build lasting relationships and ensure informed financial decisions.
Steve Ames
Loan Originator
Steve Ames, with 10+ years in mortgage origination, excels in analyzing client needs and aligning them with tailored loan solutions, emphasizing exceptional service throughout the process.
Ashley Gonzalez
Loan Originator
Ashley Gonzalez, a 9-year mortgage industry professional, delivers personalized service for first-time buyers and refinancers, combining expertise with a seamless client experience.
Donald House
Mortgage Loan Originator
Donald House, with 30+ years in finance, specializes in first-time homebuyers and investment properties, offering transparent communication and tailored solutions for complex mortgage needs.
Questions
What loan types does RoBUS Mortgage offer?
We offer conventional, VA, jumbo, FHA, USDA, self-employed, no-income, asset depletion, and reverse mortgages, among others.
Can self-employed borrowers qualify for loans?
Yes, we specialize in self-employed mortgages using bank statements, tax returns, or asset depletion for income verification.
Do you offer VA loans for investment properties?
Yes, we provide VA loans for investment properties and streamline refinances without appraisal requirements.
What credit score is needed for a no-income loan?
A minimum credit score of 680 is required for no-income loans, along with 25% equity or down payment.
How quickly can RoBUS Mortgage close a loan?
Conventional loans average 10 business days, while VA loans close in 9 business days from application to funding.
Are there community benefits tied to using RoBUS?
Every closed loan since 2020 has funded a donation to the Utah Food Bank, equivalent to feeding 10 families daily.
