Strategic Mortgage

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Strategic Mortgage Utah mortgage broker helping you find the best home financing to fit your situation. Languages: English and Spanish

Locally owned for 25 years; count on The Pippin Team at Cardinal Financial to find the right mortgage option for you. You could qualify for up to $16,000 for your down payment as a first-time home buyer! If you've actively served in the military, find out if you qualify for a VA Loan. It's easy and there's no obligation.

529 25th Ste, Ogden, UT 84401
801-628-7667
Ron Pippin NMLS #218333
Cardinal Financial NMLS #66247
Equal Housing Lender

Licensing: https://cardinalfinancial.com/nmls-licensing/
Privacy Policy https://cardinalfinancial.com/privacypolicy/

09/23/2026

4 ways to qualify for First Time Buyer status

07/17/2026

I recently saw a post on a different forum and the poster was asking what they should buy if they are considering buying a house.

My advice:

First: don’t buy “stuff“ until you buy your house. It makes a difference on your credit and debt ratios. Opening new credit and buying more stuff prior to buying a house could be the difference in an approval or denial, depending on your credit score and your debt ratios. Only buy stuff after you purchased the house.

So a couple of things I thought of after you buy the house are:

Furniture. You don’t need brand new. You can find great stuff on marketplace for a fraction of the price of new. This goes for most of the stuff you’ll need.

Yard stuff. If you’re buying a house and not a condo or townhome, you’re going to need to maintain the yard. Lawnmower and a good hose.

A couple of extension cords. You’d be surprised how often you need these.

Washer and dryer if it’s not already included in the house

What are some other things that you might need?

07/06/2026

The Tax Return That Lied.

The short story. Self-employed consultant, $52K on her Schedule C, but bank statements shows $214K in deposits. Switched to a Bank statement program, now she has $192K qualifying income.

Result. She's in her home

If you are self-employed but your tax returns don't show the real story. Hit me up.

Lack of a down payment is not a barrier to buying a home
07/02/2026

Lack of a down payment is not a barrier to buying a home

05/16/2026

Why Mortgage Rates Just Moved Higher... Again

Over the last several days, mortgage rates have moved higher again.

And it’s a reminder of something many buyers forget…

Mortgage rates don’t just move based on housing.
They move based on world events, inflation, oil prices, and the bond market.

Right now, growing tensions involving Iran and the Strait of Hormuz have pushed oil prices sharply higher, which has increased inflation concerns across the country.

And when inflation fears rise…
mortgage rates often rise too.

In fact, many experts who previously expected the Federal Reserve to reduce rates this year are now saying those cuts may be delayed longer than expected.

Some analysts are even discussing whether additional tightening could happen if inflation worsens.

That’s why trying to “perfectly time” the market can be risky.

A lot of buyers have been waiting for rates to drop.
But recent events are a reminder that rates can move higher very quickly.

At the same time, if rates eventually improve later…
many homeowners may still have the opportunity to refinance.

But if home prices continue rising, buyers don’t get a second chance to buy yesterday’s home at yesterday’s price.

Nobody knows exactly where rates go next.

But what smart buyers focus on is:
1 - Finding the right home
2 - Creating a payment they’re comfortable with
3 - Having a long-term plan

If you’ve been wondering whether now is the right time to buy, refinance, or simply explore your options, let’s talk through it together. Even if that decision is to just wait.

Ron Pippin
Strategic Mortgage
Smarter. Faster. Easier.

Realtors. Come join other realtors at the real estate Roundup. Enjoy free golf simulator, coffee, conversation and fun. ...
04/23/2026

Realtors. Come join other realtors at the real estate Roundup. Enjoy free golf simulator, coffee, conversation and fun.

No one is pitching anything - and it’s all FREE.

At the Aloha Golf and coffee lounge I Layton.

TODAY! 10 Am to noon

Sponsored by Real Estate Essentials, Frontline home, inspections, Elevate Home Warranty, Fieldstone homes, and Strategic Mortgage 😎

Completely reasonable. Totally eye-opening.
04/12/2026

Completely reasonable. Totally eye-opening.

04/11/2026

Everyone wants the best deal…

And that makes sense 👇

But here’s the part most people don’t realize:

Mortgage pricing isn’t random.
It’s based on things like:
• Credit profile
• Down payment
• Loan type
• Risk factors

So when something changes…
the numbers can change too.

The goal isn’t just “lowest rate possible.”
It’s:
✔ Best structure
✔ Best long-term outcome
✔ Strategy that actually works for YOU

That’s where the real value is.

Message me “RATE” and I’ll break down what actually affects your numbers (and how to improve them).

One of the biggest mistakes homebuyers make is looking at houses before understanding their budget.Getting pre-approved ...
04/10/2026

One of the biggest mistakes homebuyers make is looking at houses before understanding their budget.

Getting pre-approved gives you a clearer picture of what you may be able to afford and helps you focus on homes within your range. It also shows sellers that you're serious about buying.

Preparation early in the process can make the entire homebuying journey smoother and less stressful.

Message me if you'd like to learn how the pre-approval process works.

You don’t need perfect timing, you need clarity.
04/09/2026

You don’t need perfect timing, you need clarity.

Address

529 25th Street
Ogden, UT
84401

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 9am - 5pm

Telephone

+18016287667

Website

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