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1st Time Home Buyers
Are you ready to take the big leap and purchase your first home? If you haven’t owned a home in more than three years, you qualify for first time home buyer programs. First time homebuyers are given the ability to have a 3% down payment option, which is a low down payment compared to most FHA loans.
Refinance Your House
Do you have a high interest rate on a home loan? Refinancing your home will allow you to obtain a better interest rate and loan terms. A lower interest rate can reduce monthly payments. Refinancing can also be used to pay off debts or make large purchases by using some of the equity cash-out from the loan.
Find out how much you can actually afford when it comes to buying a home. Use our free mortgage calculator to help you estimate your monthly payments. Compare how interest rates, terms, and a larger down payment can change your monthly mortgage payment and help you find a home you can afford.
Get Pre Qualified
If you are ready to start shopping for a new home, you need to get pre-approved for your mortgage. We will examine your credit reports, employment, and income to determine the best loan programs to fit your budget. Use our online application to get started with the prequalified home loan.
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Conventional loans are mortgages not backed or insured by the government. A conventional loan will have a fixed interest rate and loan terms. When interest rates are low, conventional loans allow borrowers to lock in a low interest rate and enjoy fixed payments over the life of the loan.
FHA loans are insured by the Federal Housing Administration (FHA). Borrowers will pay mortgage insurance premiums to protect lenders from borrower defaults. Qualified borrowers with lower credit scores are eligible for FHA loans with down payments as low as 3.5%.
VA loans are available to Veterans, Service Members, and certain military spouses for a $0 down payment mortgage. Each loan is issued through private lenders, but they are guaranteed by the U.S. Department of Veteran Affairs (VA).
Rural Housing Service (RHS) provides mortgage programs for low-to-moderate income rural residents to purchase homes, construct homes, or purchase property. RHS is part of the U.S. Department of Agriculture (USDA).
Rate and term refinance loans refer to refinancing an existing mortgage to change the interest rate or the term of a mortgage without asking for more money on the loan. We assist Utah homeowners with rate and term refinance loans to aid in a lower monthly payment due to a drop in current interest rates.
Reverse mortgages are designed for homeowners aged 62 or older, allowing them to convert the equity in their home and use it to pay for other expenses. Retirees with limited income appreciate reverse mortgages as it does help to pay for healthcare and other living expenses.
New Construction Homes
Do you need a loan to build your home? Construction loans can be difficult to come by as they are considered a short-term loan to pay for the cost of building a home. North Star Mortgage specializes in construction loans and can walk you through the loan process to carefully explain the interest rates and how they differ from a traditional mortgage.
Commercial loans are designed to help businesses with expenses such as the operational costs or for business expansion. Many business owners use them to assist in purchasing new equipment and machinery. There are five different types of commercial loans, contact us to find out which one is best for your business needs.
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Jan & Keith Brady
Keith and I created North Star Mortgage over 21 years ago with a foundation of integrity to our clients, We know how important it is that you have complete confidence in your mortgage advisor. With your interests in mind, we can help guide you through what can be a complicated process and provide you with mortgage solutions you will feel confident in.
Our commitment to service stems from a deep concern for people. We care for our clients like family and strive to provide you with a seamless mortgage experience from start to finish. We are passionate about creating home ownership opportunities for those in our community. We love finding solutions to challenges and we have the tools to create home ownership opportunities for those in a new chapter of their life
Keith – NMLS #267855
Jan – NMLS #267860See rest of the team
As a brokerage North Star also works with:
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Mortgage Rates are Increasing Should You Refinance and Remodel or Move?
September 18, 2018
If you love your home and your neighboorhood, you may find yourself struggling with the idea of upgrading to a larger place and selling off your home. Moving versus remodeling has always been a debate for homeowners as they look for ways to stay within their budget, but have the home of their dreams. Mortgage rates are always moving, but the last d...> Read More
Do I Really Need 20% As a Down Payment?
September 18, 2018
Are you planning to purchase a home in the near future? Is this your first home purchase? Have you already owned property in the past? If you are planning to buy a home, you may not need that looming 20% figure that a lot of people talk about. Here are some of our tips that will help you determine what down payment amount you need to consider. T...> Read More
5 Tips to Make The Loan Process Faster
September 18, 2018
We should say that "working with North Star" is the first way! When you let us help you find the loan that's right for you, you truly are taking advantage of some of the area's best technology and expertise to get you a loan decision and funding on your loan quickly. But here are five "other" ways you can speed up the process of getting a mortga...> Read More