Independent Utah Mortgage Broker
We don't work for the bank. We work for you.
Utah Independent Mortgage Corp. is an independent mortgage broker in Clearfield, Utah. Instead of one bank's rate sheet, you get access to the nation's top wholesale lenders, compared side by side, with one application and one local expert from pre-approval to closing.
Book a Free Consultation →Call (801) 923-2161Nelson Barss, Principal Broker
20+ years helping Utah families finance and refinance homes.
- Licensed Utah mortgage broker
- 4.9 stars from 143 Google reviews
- Personally attends every closing
Mortgage broker vs. bank: what's the difference?
A bank or retail lender can only offer its own loan products and rates. An independent mortgage broker works with many wholesale lenders, so we can compare rates, fees and programs across the market and match you with the best fit.
Bank or retail lender
One lender's options
One set of rates and programs. If you don't fit their guidelines, you start over somewhere else.
Independent broker
The whole market
Wholesale lenders compete for your loan. One application, many options, and someone on your side of the table.
Because wholesale lenders compete for a broker's business, borrowers can often access lower rates and fees than they'd find by walking into a single retail bank. A broker also helps you choose between FHA, VA, conventional and other programs based on your goals, not one lender's guidelines.
What we help Utah borrowers with
- Home purchase loans: FHA, VA, conventional, USDA and first-time buyer programs
- Refinancing: lower payment, shorter term, cash out, or removing mortgage insurance
- HELOCs and 30-year fixed second mortgages to tap equity without losing your low rate
- Construction, renovation, reverse and non-traditional loans
Our promises
- Low rates and fees. Our access and business model put us in a unique position to deliver honest, competitive pricing.
- 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'll pay you back.
- Teachers, not salespeople. No pressure, just clear answers in plain English.
Mortgage broker FAQs
Does it cost more to use a mortgage broker?
Not necessarily. Wholesale pricing often lets a broker deliver competitive rates and fees, and we give you a clear estimate of all costs up front so you can compare.
What areas do you serve?
We're based in Clearfield and help homebuyers and homeowners across Utah, including Davis, Weber and Salt Lake counties: Layton, Kaysville, Farmington, Bountiful, Syracuse, Ogden and more.
Get the whole market working for you.
Free, no-pressure consultation with Nelson. 1785 Legend Hills Dr., Suite 370, Clearfield, UT 84015.