Utah Mortgage Resource

Utah Mortgage Resource Better service. Low interest rates. All local Better interest rates, better service. Times are changing, and so should your expectations. Call or text today

Being a mortgage broker means having access to wholesale lender rates, and a huge variety of mortgage loan products. Being a good mortgage loan officer means knowing the guidelines, and how to insure the best odds for an approval. Whether your credit score is excellent and you're shopping for the lowest interest rate, or your credit isn't perfect, but you really want to buy a home for your family

- I can match you with the best loan product. Waste your time at the bank waiting in line... OR do EVERYTHING FROM THE COMFORT OF YOUR HOME COMPUTER.

A “good deal” used to look like buying a home for $80,000 on a single income (to raise a family of four in it!). Or pick...
03/20/2026

A “good deal” used to look like buying a home for $80,000 on a single income (to raise a family of four in it!). Or picking up a foreclosure, putting in a little work, and suddenly having $200,000 in equity.

It’s not fair.. but the circumstances that created those opportunities are GONE. Not to mention that most people living through it didn't even necessarily see it as the opportunity it was😒

These days, there are a lot more homes for sale throughout Utah. But that doesn’t automatically mean more “deals” in the traditional sense.

Here are the 3 different types of sellers I'm seeing:

1. The "let's list and see what happens"
Many homeowners sitting on significant equity are also sitting in historically low interest mortgage loans. If they don’t get the price they want, they’re often willing to pull the listing off market and wait. More inventory doesn’t necessarily mean motivated or desperate sellers.

2. The "multiple offers"
Well-maintained, updated homes in desirable locations are moving quickly in any market. They may not always go wildly over asking price like we saw before. But they’re consistently getting strong full price offers, sometimes cash, with minimal or no concessions.

3. The "life happened" sellers
These are the people who bought in 2022 or later, and life circumstances are forcing them to sell. In many cases, they simply don’t have the equity to offer you a good “deal,” even if they wanted to.

So… what is a good deal in the current market?

It might look like...
🍀 Winning in a multiple offer situation on a home you truly love
🍀 Finding a property with potential that others overlook, and making it your own
🍀 Securing a monthly payment that fits comfortably within your budget, even if the home isn’t “perfect”.

A good deal today is less about chasing the lowest price, or the perfect mortgage rate. It's more about alignment with your lifestyle, your finances, and your long-term goals.

At the end of the day, the best deal isn’t just what you paid. It’s how well the home works for your life, and whether it frees you up so you can focus on WHAT'S NEXT.

📷 of my happy dog in his big yard that I was SCARED to buy in 2019, before prices blew up. Even while having all the industry insight🤷‍♀️ Talk about 🍀🍀🍀

Veterans United finally in hot water over what they've been doing for years: taking advantage of military families, and ...
02/20/2026

Veterans United finally in hot water over what they've been doing for years: taking advantage of military families, and pretending they have any association with the VA.

For veterans and active-duty buyers, this is a reminder to:
• Compare multiple lenders
• Ask questions about fees and rates
• Understand referral relationships
• Make sure you clearly understand your loan options

https://www.hbsslaw.com/cases/veterans-united-home-loans-class-action

You guys, I'm stoked!🤩Yesterday I reconnected with a past client about refinancing her home. Today this happened:- we ha...
02/11/2026

You guys, I'm stoked!🤩

Yesterday I reconnected with a past client about refinancing her home. Today this happened:
- we have initial loan disclosures out, and the rate locked in
- the loan was approved in a matter of hours
- the appraisal is ordered
- she's saving a whooping *$775/month 🤯🤗

And no, it's not always this easy.
But we looked at her numbers before, and at that time it made more sense to wait.

She didn't just wait though.
She understood the closing costs better. She created a target of what she's aiming for. And she also took the guidance I gave her to work on improving her credit score in order to get a better rate/pricing in the future.

Yesterday she was ready, and so we moved FAST.

By the end of the month, her old mortgage will be paid off, and a new, more affordable one will take its place.
She won't have mortgage payment in March, and then she'll have a much lower payment moving forward.

I know many of you are cautious about my industry, and it's understandable. Click-bait ads. Endless mailers. "Too good to be true" offers with hidden fees.

Local mortgage brokers like me operate differently. If you've ever worked with me, you've experienced it first hand🫶

My goals are simple:
- help you understand your options
- work the system to your advantage
- find real savings with transparent, upfront numbers (purchase or refinance)

Sometimes the right move is to wait, and I'm here for it.
I'm also here if you need help figuring out WHAT you're waiting for, and WHY.
You might have already arrived.

*Savings based on this specific client’s scenario. Individual results will vary. Please reach out for a specific quote

[email protected]
801-473-3154
NMLS #1838283/1047955

Before the keys, there’s always a story✍️It might be an ordinary Monday for most people. But for one very special couple...
02/09/2026

Before the keys, there’s always a story✍️

It might be an ordinary Monday for most people. But for one very special couple, today marks the 🏁 finish line of months of patience, persistence, and hard work.

I first talked with Cody back in April of last year, while he was considering a job change. He wanted to understand his loan options, and what might be possible someday.

Fast forward to November, and both Cody and Sasha were ready.
We ran the numbers, gathered paperwork, and even had an underwriter review everything upfront so we could move forward with confidence. A plan was set in motion.

I love that I got to team up with Sunshine on this one 🤝

While I was behind the scenes, crunching numbers and building the strategy, she was out there: boots on the ground. Guiding them, protecting them, and helping them find the right home.

Friday, we signed closing documents, and they did their (very excited!) final walkthrough.

Today we funded and recorded, and their dream officially became reality🥳

In a very thoughtful surprise, both Sunshine and I were gifted the coziest Minky Couture blankets, in the color of pure JOY (yellow) 🥹 🫶

If anyone needs me.. I’ll be on the couch, celebrating this win, wrapped in gratitude (and very soft fabric).

Congratulations, Cody & Sasha.
Your patience paid off, and I’m so honored to have been part of your journey home.

Just a reminder that refinancing your current mortgage doesn't have to be a hassle, and it doesn't have to be intimidati...
01/30/2026

Just a reminder that refinancing your current mortgage doesn't have to be a hassle, and it doesn't have to be intimidating.
Getting started can be as easy as sending a text message.

Lots of mortgage companies like to brag about their "clients for life" approach. But let's be honest, it not about delivering lifelong value to you.

It's about squeezing every bit of profit from the transactions you have with them. It's about using technology to optimize your data, automate touch points (follow up), scheduling reminders and staying visible. It's about cross selling more services, and making gimmicky promises like "low cost future refinances".

Software can automate touchpoints. But it can’t build real relationships.

Long term referrals and repeat customer business are build on:
- Competence. Doing the job well, not just showing up
- Empathy. Caring about what the client is actually trying to achieve, and understanding where they’re coming from
- Trust. Protecting their best interest, even when it’s inconvenient, and doesn't result in a sale.

Trust can be implied in a first transaction. But in repeat business, and in referrals, it’s earned.

Work with people and companies that make your life easier, and provide transparency as well as value.

If you ever want to see what a mortgage refinance could look like for you, I’m only a text message/email away.

801-473-3154
[email protected]
Utah Mortgage Resource
NMLS #1838283/1047955

Mortgage interest rates are still stubbornly high, but there are small windows of opportunity popping up all over the pl...
01/27/2026

Mortgage interest rates are still stubbornly high, but there are small windows of opportunity popping up all over the place.

A few weeks ago, a past client put me in touch with his friend for a refinance. Today we funded and recorded on his transaction 🥳

He got to trade in his 2023 6.625% 30 year fixed rate for a shiny brand new 2026 4.874%/5.054%APR 15 year interest rate😎

Timeline:
- January 9: introduction and ran a few rate quotes
- January 11: I locked the desired rate in, and issued initial loan disclosures (great pricing over that weekend that we didn't want to risk)
- January 16: clear to close with an appraisal waiver
- January 21: we had to wait to sign closing documents due to a legal requirement that 7 business days have to pass since the issuance of the initial Loan Estimate😅
- January 26th: funded and recorded, after the mandatory 3 day rescission period

Two weeks, zero stress, and delivered exactly as quoted.
No bait and switch, no undisclosed fees, no surprises.

Cherry on top of the fast process: closing costs were mostly covered by the February mortgage payment he DIDN'T have to make, and could apply to the new loan balance.

Not everyone can afford to switch to a 15 year, even if it saves a ton in interest. But a lot of you sitting on mortgage rates in the mid 6's or higher would benefit from a mortgage refinance.

It doesn't have to be expensive or scary. It doesn't even have to restart the 30 year clock - custom terms like 27 years are available.

Rates don't need to be perfect to improve your bottom line. But you do need someone to watch the markets for you - actual rates and costs, not clickbait headlines.

If you or someone you know wants to know more about their refinance options, I'm here to help🙌

You may remember the real estate agent that helped you buy your first home. But how many of you would refer this person ...
01/26/2026

You may remember the real estate agent that helped you buy your first home. But how many of you would refer this person out to your friends and family.. YEARS later?

This particular home purchase is extra special for two reasons:
1. Scott is a referral from one of Sunshine's oldest (time wise, not age) real estate client. Think flip phones. Or back when none of us had back issues 😆
2. Last time Scott bought a home was in 2007, not the greatest timing.That kind of experience doesn’t just “sting”, it teaches you to be VERY CAUTIOUS. It makes you wait and second guess. It makes you think “Maybe I’ll try again when it feels safer”.

The truth is real estate purchases rarely feel perfectly safe. Waiting for the “perfect market” can quietly turn into waiting forever.

This purchase wasn’t just a transaction.
It was a decision to stop letting the past write the future.

You don’t need perfect timing. You need 👉 A PLAN.
When and if you’re ready to make a change, I'm here to offer guidance.

Dana Anghel
[email protected]
801-473-3154
NMLS #1838283/1047955

First home loan closing of the year, and it was a special one🏡✨Getting to help a past client purchase their new home is ...
01/16/2026

First home loan closing of the year, and it was a special one🏡✨

Getting to help a past client purchase their new home is the kind of “full circle” moment that never gets old. I'm always grateful for the trust, and for the opportunity to team up with Kari Pearson Holding (as our escrow agent), and Elle Johansen (the buyer's agent).

We went under contract on 1/6 and keys are on the way just 10 days later 🤯🔑

Congratulations to Gavin on his new home,
Let the exciting new chapter begin!

How would you like NOT to have a mortgage payment this November and December? 🏠✨If you're thinking about a mortgage refi...
10/19/2025

How would you like NOT to have a mortgage payment this November and December? 🏠✨

If you're thinking about a mortgage refinance, it's GO TIME💪 And the deferment of two mortgage payments can be part of the process.

Rates have quietly been improving, between the markets pricing in two more rate cuts from the Federal Reserve and the government shutdown stirring up the pot.

I learned last year not to wait around when opportunities like this pop up👇
-> Conventional loans are dipping into the HIGH 5's
-> FHA/VA loans are in the LOW 5's

Not sure if it's worth it? I can run a detailed quote (without or without a credit pull) and see what YOUR numbers look like.

Rule of thumb right now?
If your current rate is mid 6's or higher, you're paying too much.
Struggling to make payments on consumer debt like credit cards and personal loans? A cash-out refinance might balance out your budget.

* Your actual rate depends on your credit score, amount of equity in the home, and who you work with, because every lender has different profit margins built in.

Last but not least, a refinance shouldn't eat up your equity.

Structured the right way, and you can end up cash positive - while still saving money each month moving forward.

A mortgage refinance is a tool, not something to be intimidated by👻
Let's figure out those savings for you!🫶

Dana Anghel
801-473-3154 / [email protected]
Utah Mortgage Resource
NMLS #1047955/1838283

Along the lines of my previous post, not all down payment assistance is bad. Utah Housing just happens to be particularl...
09/10/2025

Along the lines of my previous post, not all down payment assistance is bad. Utah Housing just happens to be particularly bad.

Salt Lake City has a nice little down payment assistance program that will work with ANY lender of your choice - allowing you to shop around for best terms.

The details:
- It's a government funded, deferred loan with no payment and no interest, and that becomes forgivable after a period of time
- Maximum award amount is up to $39,000, depending on need, and funds availability
- You can use it for down payment and/or closing costs - you just need $1,000 of your own funds + enough in your savings for one month's mortgage payment when you close
- Increased income limits allow for more potential buyers to qualify ($103,100/year maximum for a 1 person household👇)
- Property to be purchased must be owner-occupied so that tenants are not displaced in the process
- Property must be within Salt Lake City Limits: https://apps.saltlakecounty.gov/assessor/new/javaapi2/parcelviewext.cfm?parcel_ID=&query=Y

Best of all, they subordinate to a new lender when you refinance for a qualifying reason, which helps your bottom line affordability.

The only down side?
They receive funds once a year, and those funds can get depleted. Right now they have $10,000 left, and hopefully more on the way in the coming months.

This is how a down payment assistance should work, and there are different cities that offer some version of this, with their own guidelines.

Feel free to reach out for more information, and to discuss options,

Dana Anghel - Utah Mortgage Resource
NMLS #1047955 / 1838283
[email protected]
801-473-3154

Mortgage rates are coming down, and refinance opportunities are coming up. Except if you have a Utah Housing loan.Things...
09/10/2025

Mortgage rates are coming down, and refinance opportunities are coming up. Except if you have a Utah Housing loan.

Things the loan officer pushing this loan program probably "forgot" to mention?
- it's a higher interest rate (think 1% higher than what you can get on a regular FHA loan)
- it's packed with fees that will result in a bloated second mortgage amount
- the second mortgage won't subordinate to any other lender, so you can't streamline your FHA loan with anyone else but Utah Housing (at a higher interest rate).

Refinances for everyone... Just not for you.

This client is now stuck paying a 7.375% interest rate on their loan until they have enough equity to consolidate the two mortgages into one, vs just doing a streamline refinance.
Given they only purchased a year ago, and the appreciation has been slower, they have a little more waiting to do. But at least they now have a roadmap.

"You can buy a home with zero down" should always come with a comparison fees worksheet. Preferably not from the lender trying to push you into a Utah Housing loan, vs actually doing the work to educate you.

There will be a lot of noise soon about mortgage rates dropping. And a lot of soliciting from lenders who are more interested in their loan volume, than in preserving your equity.

If you're not quite sure how it all works, or when you should refinance, reach out. I'm happy to walk you through the numbers, the pros and cons, and help you figure out if it's worth it or not.

The easiest way to save money on your mortgage is to ask a lot of questions 😉

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2941 S 100 W
Bountiful, UT
84010

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