Utah Mortgage Services
The right loan for your goal. Not the bank's.
As an independent Utah mortgage broker, we shop the nation's top wholesale lenders for you. Buying, refinancing, building, or tapping equity, Nelson will tell you straight which option makes sense, and which doesn't.
Book a Free Consultation →Call (801) 923-2161Why Utah borrowers choose UIMC
- Access to the nation's top wholesale lenders, not one bank's rate sheet
- Earnest money guarantee on our pre-approvals
- Fast, low-stress closings under tight deadlines
- Teachers, not salespeople. No pressure.
What we help with
Pick your goal. We'll match it to the right program and lender.
Buy a home
Purchase
A UIMC pre-approval helps buyers win bidding wars, and we guarantee your earnest money up to $5,000 when you rely on it. Conventional, FHA, VA, USDA, plus grant funds and $0-down programs for qualified first-time buyers.
Get pre-approved →Lower payment or faster payoff
Refinance
Our first question is always: what's your goal? Lower payment, faster payoff, consolidating debt, or funding a project. We'll show you the real costs and benefits, and we'll tell you if a refinance doesn't make sense.
Run my numbers →Keep your low rate
HELOCs & Fixed 2nds
Tap your equity without touching your first mortgage. Consolidate debt or update your home, including a rare 30-year fixed second mortgage that removes the variable-rate risk of a traditional HELOC.
See if I qualify →Build new
Construction
One-Time-Close construction loans finance the lot and the build in a single loan, so there's no second refinance when the project is finished. Rates and fees vary widely, so we shop many lenders for you.
Plan my build →Remodel
Renovation
Conventional and FHA renovation loans base the appraisal on your finished remodel, financing up to 97% of that future value. Additions, garages, and whole-home makeovers, for a purchase or a refinance.
Fund my remodel →Age 62+
Reverse Mortgage
For many clients 62 and older, a reverse mortgage is the key to retiring comfortably in the home they love. We're patient teachers, and we'll help you and your family decide if it's truly your best option.
Ask Nelson →Self-employed & investors
Non-Traditional
Tax returns don't tell your story? Bank-statement and financial-statement loans for self-employed borrowers, and DSCR loans that qualify rental properties on their cash flow.
Explore options →Not sure yet?
Free Consultation
Tell Nelson what you're trying to do. He'll review your situation, explain every option you qualify for, and give you a straight answer. No cost, no obligation.
Book a time →Crunch the numbers
Calculators
Estimate your payment, compare scenarios, and see how much home you can afford before you talk to us.
Open calculators →How it works
Simple, fast, and you always know what's next.
Free consultation
We learn your goals and review your income, credit, and equity.
We shop lenders
Our technology compares the nation's best wholesale lenders for you.
Rock-solid numbers
Clear expectations on rate, fees, and monthly payment before you commit.
Close with confidence
Nelson attends your closing to make sure every promise is honored.
Get a straight answer on your options.
Serving homebuyers and homeowners across Utah, including Davis, Weber, and Salt Lake counties.