Where expertise meets elegance
Loan Origination
Let’s find out what your needs are with this crucial first step in the lending process.
Loan Processing
We’ll help the lender evaluate your financial and personal information, ensuring all the necessary steps are taken to successfully complete the loan.
Closing
Get ready to celebrate as we get you to signing and help you achieve your dreams of owning a home.
Refined lending solutions: a personalized approach
We know what buying your dream home is like. It’s a giant leap of faith toward your future that can be scary yet rewarding.
Whether you’re a first-time homebuyer or a seasoned entrepreneur, we’re here to help guide you through the loan process so you can enjoy the best part of owning a home: making your dreams come true.
Worried about current mortgage rates?
look at the bigger picture :
According to MPA Mag: Mortgage rates have averaged 7.75% over the past 50 years, yet 59% of current homeowners and 67% of non-homeowners believe today’s rates are unprecedented.
The Difference?
As a small business owner and mother of two in the state of Utah, I bring a unique perspective to the world of finance. I know what it means to be a first-time homebuyer and an entrepreneur.
Every day, I wake up and try to take the next right step so my family can have a better life in Utah.
Let me take the weight off your shoulders for a change and help you take your next right step today!
Less time, Less Money
Oversight and lack of attention to detail can be costly. My extensive knowledge about homeownership in Utah and attention to detail prevents extra costs.
Protect Your Money
Let’s work together to find a reliable and safe investment space for your hard-earned money. Ask me how Utah Real Estate can protect your cash.
Beyond the Closing
Our relationship doesn’t end at the closing table. I develop lasting relationships with my Utah-based clients through the life of the loan.
Educated Decisions
Whether it’s fixed-rate, adjustable-rate, FHA Loans, VA loans, Jumbo loans, or something entirely different, we will make the right decision together.
Mom First, Entrepreneur Second
Becoming an entrepreneur was more than just being successful. It was about showing my two girls that they could achieve anything in life – no matter their passion.
My passion is helping you and your family be comfortable with your home-buying decision.
Yes, I am a strong and influential businesswoman – but I’ll always be a mighty mom first.
About Emily
Professional Mortgage Consultant
As a mortgage finance specialist, there’s nothing more satisfying than helping families and businesses achieve their dreams.
Whether helping entrepreneurs secure funding for their new business or seeing a family finally purchase their dream home, every day is an opportunity to help others thrive.
Because they are behind every loan application, each one deserves the same high level of quality assurance and attention to detail.
As a hardworking parent and a self-made businesswoman, I’ve witnessed first-hand what it means to have your dreams become a reality.
My Approach
It’s simple: I tailor my services to meet the specific needs of a Utah community. Every individual mortgage is different and A Utah-based community deserves a Utah-based loan officer who knows what it means to have clients with specific needs
In other words: EMK Mortgages, we treat you like family.
My Process
We’ve developed a streamlined process specifically for Utah residents. We start by getting to know you and your family’s unique financial situation and goals. We pride ourselves on transparent communication every step of the way.
Our goal is to make your Utah home buying experience as smooth and stress-free as possible.
Unique Framework
We believe that buying a home in Utah is more than just a transaction – it’s a life changing experience. That’s why we actually take the time to get you and your family’s unique circumstances
Do more for your family with a Utah loan processor who knows what it means to have Utah-based mortgage needs.
Don’t worry, I’ll keep an eye on housing market trends.
Hard-working families in Utah have enough to worry about. That’s why we make it our job to keep close tabs on current mortgage rates in Utah and other key indicators for Utah housing loan purchase signals. Subscribe to our newsletter to stay informed!
Free Online Resources
Check Out My Video Bio!
Ultimate Home Lending shot this video for me due to my exemplary performance. Learn a bit about me!
Get a Personalized Quote!
We offer a wide range of Utah housing loan types, including conventional loans, FHA loans, VA loans, USDA loans, and more. Simply fill out our online form to get started today!
Mortgage Brokers Blog
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Frequently Asked Questions
What type of utah mortgage loans do you offer?
We offer a wide range of Utah housing loan options, including conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, and more. We’ll work with you and your family to find the best Utah housing loan option for your unique financial situation and goals.
What's the difference between a fixed-rate and adjustable-rate mortgage in Utah?
A fixed-rate mortgage has a set interest rate that remains the same throughout the life of the loan. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, based on national and Utah-based market conditions. We’ll help you decide which option is best for your situation.
What is pre-approval and why is it important for someone purchasing a home in utah?
Pre-approval is the process of getting approved for a loan before you start shopping for a home in Utah. It’s important because it shows sellers that you’re a serious buyer and can give you an advantage in a competitive Utah housing market. It also helps you understand how much you can afford and gives you a better idea of what your monthly payments will be.
How long does the Utah home-buying process typically take?
The home buying process can vary depending on the complexity of your financial situation and the specific property you’re purchasing. On average, the process takes between 30 and 45 days from the time you make an offer on a home to the time you close on the loan.
Can I still get a Utah housing loan if I have bad credit?
Yes, it’s still possible to get a loan with bad credit, but you may need to explore alternative loan options or work to improve your credit score before applying. We’ll work with you to understand your unique financial situation and help you find the best Utah housing loan option for your needs.
What documents do I need to apply for a loan?
The specific documents you’ll need will depend on the loan type and your financial situation, but in general, you’ll need to provide proof of income, employment, and assets, as well as information about your debts and expenses. We’ll provide you with a detailed list of required documents and help you gather everything you need.
Expertise. Meet Elegance.
There's a million ways to purchase a home in Utah, but only one way to do it well.