Quinn Richins at Vandyk Mortgage

Quinn Richins at Vandyk Mortgage Equal Housing Opportunity
nmlsconsumeraccess.org
NMLS # 103926
Corp. NMLS # 3035 I am an experienced Vice President of Marketing with over 25 years of experience.

I have demonstrated history of a working in the financial services industry. Skilled in Sales, Short Sales, Foreclosures, Refinance, and U.S. Department of Agriculture (USDA). Strong marketing professional with a Master of Business Administration (M.B.A.) focused in Marketing from University of Utah - David Eccles School of Business. NMLS # 103926

In the mortgage process, questions come up fast, and I believe answers should, too.Being available, communicating clearl...
09/08/2026

In the mortgage process, questions come up fast, and I believe answers should, too.

Being available, communicating clearly, and keeping things moving is a huge part of how I serve my clients. Buying or refinancing a home is too important to leave people wondering what happens next. Reviews like this mean a lot because they reflect exactly what I strive for: fast communication, clear expectations, and a smooth experience from start to finish. Thank you for the kind words!

Happy Labor Day! Today is a good reminder to appreciate the work, the long hours, and the people who make things happen ...
09/07/2026

Happy Labor Day! Today is a good reminder to appreciate the work, the long hours, and the people who make things happen every day.

There’s something about a long weekend that makes you want a backyard, a grill, and enough room for everyone to stick ar...
09/04/2026

There’s something about a long weekend that makes you want a backyard, a grill, and enough room for everyone to stick around a little longer. If you’ve been picturing holidays, cookouts, and get-togethers in a home of your own, maybe it’s time to start looking for the place where everyone will gather next.

If traditional income requirements are making you question whether you can invest in Murray real estate, don’t count you...
09/03/2026

If traditional income requirements are making you question whether you can invest in Murray real estate, don’t count yourself out just yet. A DSCR loan may give you another way to qualify.

Instead of relying primarily on your personal income or tax returns, a DSCR loan focuses more on the rental income the investment property is expected to generate and whether that income can support its qualifying expenses.

This can give self-employed borrowers, real estate investors, and those with less-traditional income a little more flexibility when pursuing an investment property.

Every situation is different, but complicated income doesn’t necessarily have to put your investment goals on hold. Exploring a DSCR loan could help you find a financing path that better fits the way you invest.

Spoiler: There aren't any.Ask away. We'd rather explain it than have you sitting there wondering.
09/02/2026

Spoiler: There aren't any.

Ask away. We'd rather explain it than have you sitting there wondering.

One of the most important parts of my job isn’t just getting clients to the closing table - it’s making sure they feel c...
09/01/2026

One of the most important parts of my job isn’t just getting clients to the closing table - it’s making sure they feel confident getting there.

The mortgage process can feel overwhelming when you don’t know what to expect. My goal is to explain the “why,” answer the questions, and make sure my clients always know where they stand and what comes next.

There’s nothing better than hearing that someone felt supported and confident throughout their journey! That’s the experience I want every client to have.

August 31st already? Rude.As summer wraps up and fall gets closer, it’s a good time to take a look at what’s on your hom...
08/31/2026

August 31st already? Rude.

As summer wraps up and fall gets closer, it’s a good time to take a look at what’s on your homebuying list. Thinking about moving this fall? Start with the fun stuff—house hunting, Pinterest boards, mentally rearranging furniture—and let us help with the mortgage part.

A little planning now can make the next season a lot more exciting.

An appraisal isn’t about whether the kitchen has the right backsplash or if the living room needs new paint. It’s an ass...
08/28/2026

An appraisal isn’t about whether the kitchen has the right backsplash or if the living room needs new paint. It’s an assessment of the property’s value based on factors like the home itself, its condition, location, and comparable sales. In other words: your questionable accent wall can stay out of the equation!

Being self-employed doesn’t mean homeownership is out of reach. For many self-employed buyers in Utah, the challenge is ...
08/27/2026

Being self-employed doesn’t mean homeownership is out of reach. For many self-employed buyers in Utah, the challenge is simply documenting income in a way that fits traditional mortgage guidelines.

Depending on your financial situation, options could include:

-Conventional, FHA & VA loans
-Bank statement loans using eligible deposits to document income
-P&L programs for qualifying business owners-DSCR loans for Utah real estate investors

From Salt Lake City and Provo to Lehi, Park City, Ogden, and St. George, self-employed borrowers have different financial stories - and mortgage financing doesn’t have to be one-size-fits-all.

If you’re self-employed and looking to buy a home in Utah, let’s explore which mortgage options may fit your income, goals, and financial picture.

Address

5330 South 900 East Suite 250
Salt Lake City, UT
84117

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+18017038325

Website

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