About Utah Independent Mortgage

A small Utah team with big lender access

Based in Clearfield, we help homebuyers and homeowners across Utah choose the best lender and loan for their goals, then walk with them to the closing table.

Real numbers. Straight answers. No pressure.

Tell us a little about your goals. Nelson will reach out the same business day with options from dozens of wholesale lenders.

See if you qualify: free, no commitment.

No pressure. Nelson will give you a straight answer about whether this works for your situation.

Our team

Meet Nelson and Danna

Nelson Barss

Principal Broker

Nelson has over 20 years of experience helping clients finance homes. He'll consult with you, pre-approve you and find the best lender and program for your goals. He sets rock-solid expectations for your rate, fees and monthly payment, and he attends your closing to make sure every promise is honored.

Your main point of contact from application through rate lock. Host of the Utah Homebuyer's Quest podcast.

Danna Bauer

Senior Loan Partner

Danna has over 10 years of experience guiding clients through closing. She has the perfect mix of knowledge and care to keep your file moving and keep you informed. She is a problem solver, a patient explainer and an empathetic companion on your journey.

Your main point of contact from rate lock to closing.

Our values

What we promise every client

Low Rates & Fees Promise

Honest, competitive rates and fees. Our access and business model put us in a unique position to deliver them.

Passionate About Speed

Every file is a rush from day one. Ask about our 21-day Platinum Pre-Approval closing guarantee.

Earnest Money Guarantee

If you lose earnest money due to a pre-approval error on our part, we pay you back.

Teachers, Not Salespeople

No pressure. Just clear knowledge in plain terms so you can decide.

Client reviews

Buyers keep coming back

4.9
★★★★★
from 143 Google reviews
★★★★★Nelson and Danna did an outstanding job processing everything for my VA loan. They were very quick and responsive, and everything went much quicker than I expected. I was very happy with the rate and fees they were able to get for me.
MMcKay H. · Google review
★★★★★This is the 2nd time we have worked with them to buy a house… They helped us to ensure that we configured our mortgage the best way possible for our needs. They were in constant contact with us to make adjustments to get us the best deal possible.
JJamison · Google review
★★★★★I could not have been happier with my experience! Nelson and Danna went way above and beyond… you will get an incredible attention to detail, but most of all you will feel like you're talking to your friends.
AAndrea D. · Google review

Read more reviews →  ·  See all on Google

Let's talk about your plans

Book a free consultation with Nelson.