Stewart Bates Mortgage Loan Officer

Stewart Bates Mortgage Loan Officer Love helping people with their dreams of home ownership. Looking forward to hearing from you. 801-598-2890

Either purchasing, or refinancing (cash-out or reducing term rate and payment) I am only a phone call, or text away. Branch Manager | NMLS ID # 137055

Castle & Cooke Mortgage, LLC | NMLS #1251 | castlecookemortgage.com | Equal Housing Lender

LO State Licenses: CA # CA-DFPI137055; ID # MLO-2080137055; NV # 69091; TX # 137055; UT # 5488638;

Corporate State Licenses: Licensed by the Department of Financ

ial Protection and Innovation under the California Residential Mortgage Lending Act, License #4130740 ; ID # MBL-4885 ; NV # NMC-103269 ; TX # 1251 - CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.; UT # UDFI-RFMN2015; UT # 5937301

Additional Licensing Information: https://ccmtg.info/licensing

You should know each other's financial situations by now (if not, go back and read my post from Sunday). You talked over...
08/04/2026

You should know each other's financial situations by now (if not, go back and read my post from Sunday). You talked over what both of you want in a home. Now you need a number to shop with.

Getting pre-qualified answers that question, and it's always a good idea to get pre-qualified before you start looking at listings. It shows you what you're eligible to borrow, not what you should spend.

You might see financial experts saying a good budget is around 30% of your income, but in today's market that's often a moving target. Work with a licensed real estate agent who can help keep you within that budget, or even find homes that are under your budget, leaving room for savings, or home repairs as needed.

This may seem obvious, but it's pretty normal for you and your partner to not agree on every single thing that comes to ...
08/03/2026

This may seem obvious, but it's pretty normal for you and your partner to not agree on every single thing that comes to your potential home. If you do, great, you unlocked a secret most couples spend decades trying to figure out.

Location, number of bedrooms, open floor plan, having to walk through a narrow kitchen to get to the rest of the house, the two of you are going to have different priorities. Figure out what matters most to you, but listen to why something matters to your partner. Get curious instead of defensive. And come up with what your ideal home looks like together.

Hint: Your real estate agent may not be a licensed therapist, but they're great at helping you figuring this all out.

Nobody likes talking about money. But if you're thinking of buying a home with your significant other, it's a big financ...
08/02/2026

Nobody likes talking about money. But if you're thinking of buying a home with your significant other, it's a big financial step, and you need to have that conversation quickly and candidly.

Both of you need to show up with your full financial picture. That means talking about debts, income, credit, everything.

Knowing where you both stand financially will help make everything smoother as you go through the home purchase process.

The next few days we'll cover more tips for buying a home with your special someone. Stay tuned.

For the majority of this month we talked about a mortgage system built for your everyday traditional borrower that leave...
08/01/2026

For the majority of this month we talked about a mortgage system built for your everyday traditional borrower that leaves millions of creditworthy people without a path forward.

The self-employed, the investor, the gig worker, the immigrant, the person who rebuilt after a setback, the retiree with assets but no paycheck. All of them have something in common, there is a home loan program they could qualify for, just not through your conventional process.

Non-QM home loans exist for this very purpose.

If you felt like all of July was speaking directly to you, or someone you know, the next step is a conversation. Start here and reach out when you're ready.

https://www.castlecookemortgage.com/non-qm-loans

Getting denied for a mortgage can be discouraging. It's easy to assume the system made a final decision about you. That ...
07/31/2026

Getting denied for a mortgage can be discouraging. It's easy to assume the system made a final decision about you. That you're not the kind of person who gets to own a home.

That's not what a denial means.

It often means one traditional system, using one set of rules, looked at a single snapshot of your financial life and couldn't fit you into its perfect little box.

Non-QM lending asks different questions and looks at the full picture. For many borrowers in unique situations, a second conversation with the right lender and right loan program changed everything.

Trust your gut. Have a second conversation with me.

https://castlecookemortgage.com/stewart-bates

Conventional Loans have limits. For most markets in 2026, that ceiling is $832,750.So what if you find a home that costs...
07/30/2026

Conventional Loans have limits. For most markets in 2026, that ceiling is $832,750.

So what if you find a home that costs more than that?

Enter Jumbo Loans.

This Non-QM product requires strong credit, solid reserves, and a lender who actually knows how to underwrite them (that's us).

Learn more at

https://www.castlecookemortgage.com/jumbo-loans

Life happens.Financial setbacks. Divorce. Medical emergencies. A business that didn't make it.The traditional mortgage m...
07/29/2026

Life happens.

Financial setbacks. Divorce. Medical emergencies. A business that didn't make it.

The traditional mortgage machine has long memories and a short patience for anything looking like trouble in your past.

For those who have experienced setbacks like these, but have bounced back and spent the last few years rebuilding, there may just be a path toward homeownership sooner than you think.

Reach out today and fill me in - we can review all your options.

https://castlecookemortgage.com/stewart-bates

No SSN? No problem!If you have an ITIN (Individual Taxpayer Identification Number), you still could qualify for a home l...
07/28/2026

No SSN? No problem!

If you have an ITIN (Individual Taxpayer Identification Number), you still could qualify for a home loan.

ITIN loans are made for non-permanent residents who have established credit, file taxes, and built a stable financial life. Many traditional lenders won't even go there. We can.

Lean more about your options at

https://www.castlecookemortgage.com/itin-home-financing-options

Here's how we work out the numbers for a DSCR home loan.If a property generates $2000 a month in rent, and the mortgage ...
07/27/2026

Here's how we work out the numbers for a DSCR home loan.

If a property generates $2000 a month in rent, and the mortgage payment is $1600, then the Debt Service Coverage Ratio (DSCR) is 1.25, meaning the investment property brings in 25% more, making it a qualifying loan.

Many DSCR programs look for a ratio of 1 or above, which the rent at minimum at least covers the payment.

The whole point of this loan program is your personal income isn't all of the equation, with the property doing the heavy lifting.

Learn more at

https://www.castlecookemortgage.com/investor-loans

That's pretty much how a DSCR (Debt Service Coverage Ratio) loan works.Instead of looking at your personal income, we lo...
07/26/2026

That's pretty much how a DSCR (Debt Service Coverage Ratio) loan works.

Instead of looking at your personal income, we look at the rental income the property either generates or is projected to generate and compare it to the mortgage payment. If the rental income covers the debt, you're in good shape.

This is a great way for real estate investors to start building a portfolio. Learn more at

https://www.castlecookemortgage.com/investor-loans

Address

480 E Wi******er Street Suite 100
Murray, UT
84107

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+18014957161

Website

Alerts

Be the first to know and let us send you an email when Stewart Bates Mortgage Loan Officer posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Stewart Bates Mortgage Loan Officer:

Shortcuts

Share

Category