Business Details
Your Trusted Mortgage Partner in Utah
Founded in 1897, Utah Mortgage Loan stands as the oldest non-bank mortgage lender in Utah. Our locally owned and operated business prioritizes personalized service, focusing on the quality of each customer's experience rather than loan volume. With a team of seasoned professionals, we offer a comprehensive range of mortgage products tailored to meet diverse homeowner needs. Licensed across eight states, we combine deep industry expertise with a commitment to community-driven service. Our approach emphasizes ingenuity and customized solutions, ensuring clients receive mortgage options aligned with their unique financial goals.As a trusted advisor, we maintain transparency throughout the lending process while adhering to the highest ethical standards. Our longevity in the industry reflects our ability to adapt to market changes while preserving core values of integrity and client satisfaction. Through consistent service and competitive rates, we empower Utah residents to achieve homeownership and financial stability. Our specialists provide guidance on loan programs including FHA, VA, USDA, and jumbo mortgages. Backed by decades of experience, we remain dedicated to delivering mortgage solutions that prioritize long-term client success.
Services
Fixed Rate Mortgage
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Rehab Loans
Refinance Options
First Time Buyer Programs
Investment Property Mortgages
Low Down Payment Options
Highlights and features
- We are Utah's oldest non-bank mortgage lender with over 125 years of local expertise
- Our team provides personalized loan solutions tailored to individual financial situations
- We maintain licensing across eight states to serve diverse geographic needs
- Our specialists offer in-depth knowledge of FHA, VA, and USDA loan programs
- We prioritize quality service over loan volume with transparent communication
Services
Fixed Rate Mortgage
Our fixed rate mortgages provide consistent payments with interest rates that remain unchanged throughout the loan term. This solution offers financial predictability for homeowners planning long-term budgets. Available in 15-, 20-, 25-, and 30-year terms, these loans protect against market fluctuations while allowing early payoff without penalties.
FHA Loans
FHA loans enable low down payments starting at 3.5% with flexible credit requirements. These government-insured mortgages eliminate private mortgage insurance through federal backing. Ideal for first-time buyers, they offer fixed and adjustable rate options while maintaining competitive terms for qualified applicants.
VA Loans
VA loans provide zero-down payment options for veterans and active military personnel. Backed by the Department of Veterans Affairs, these mortgages feature competitive rates and reduced fees. Our specialists guide clients through the unique qualification process and habitability requirements for military homebuyers.
USDA Loans
USDA loans offer no-down payment solutions for eligible rural and suburban properties. These government-guaranteed mortgages target low-to-moderate income buyers in designated areas. Our team helps clients navigate income limits and property eligibility requirements to access this specialized financing option.
Rehab Loans
Rehab loans combine home purchase and renovation costs into a single mortgage. Available through FHA 203(k) and VA programs, these loans finance property improvements alongside acquisition. We assist clients in documenting renovation plans and meeting specialized underwriting requirements for fixer-upper properties.
People
Clark Jensen
President / CEO
With decades of mortgage industry leadership, Clark Jensen guides Utah Mortgage Loan's strategic direction. He oversees operations while maintaining focus on personalized client service and community impact.
Pierre Alley
Loan Officer
Pierre Alley specializes in mortgage origination with extensive experience in loan program selection. He helps clients navigate complex financing options to find suitable mortgage solutions.
Marlene Sanders
Loan Officer
Marlene Sanders provides expert guidance on mortgage applications and documentation requirements. Her client-focused approach ensures smooth loan processing for first-time and experienced homebuyers.
Brent Porter
Loan Officer
Brent Porter specializes in mortgage underwriting and compliance standards. He assists clients with loan qualification while maintaining adherence to federal and state regulations.
Mark Washburn
Loan Officer
Mark Washburn offers expertise in mortgage refinancing and loan restructuring. He helps clients optimize their financial positions through strategic mortgage solutions.
Questions
What mortgage options exist for first-time homebuyers?
We offer FHA loans with low down payments, USDA loans for rural properties, and specialized first-time buyer programs with flexible qualification requirements.
Can I purchase a home with no down payment?
Yes, VA loans offer zero-down payment options for eligible military personnel and USDA loans provide no-down payment mortgages for qualified buyers in designated rural areas.
Do you offer renovation financing for fixer-upper homes?
We provide FHA 203(k) Rehab Loans that combine purchase and renovation costs into a single mortgage for eligible properties needing improvements.
What states do you service?
We are licensed to provide mortgage services in Utah, Idaho, Arizona, California, Oregon, Wyoming, Florida, and Texas.
Can I refinance my existing mortgage?
Yes, we offer conventional refinancing, cash-out refinancing, and VA streamline options to help reduce payments or access home equity.
How do I start the mortgage process?
Begin by requesting a personalized quote online or contacting our office to discuss your homeownership goals with a licensed loan officer.
