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Quinn Richins at Vandyk Mortgage

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Salt Lake City, UT
Quinn Richins at Vandyk Mortgage

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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

11/02/2026

An extra hour, a warm cup of coffee and nowhere else to be. We'll take it. Hope you enjoyed that extra hour of home sweet home!

10/30/2026

When it comes to your mortgage, you deserve more than a name on a screen. You deserve someone who knows your community, understands your goals, and is here when you need them.

At VanDyk Mortgage, local means personal. And we think that makes all the difference.

10/29/2026

Before you start searching for your first rental property in Salt Lake City, let's talk about something important: your budget.

The purchase price is only one piece of the puzzle.

When investing in Utah rental properties, you'll also want to consider your down payment, closing costs, property taxes, insurance, maintenance, and cash reserves.

It's easy to focus on how much a property costs without thinking about what it takes to own and maintain it.

That's where understanding your financing options can help.

DSCR loans are designed for investment properties and may offer an alternative to traditional mortgage qualification.

Instead of focusing primarily on your personal income, these loans evaluate the property's qualifying rental income along with other lending requirements.

Whether you're looking in Salt Lake City, West Valley City, Murray, or South Salt Lake, knowing your numbers before you shop can help you move forward with more confidence.

Curious about what your first Utah investment property budget could look like? Let's explore your financing options together.

10/28/2026

We all have that one Halloween candy we just can’t resist. Reese’s? Elite. Kit Kats? A classic. Candy corn? Well, we’ll let you decide.

When it comes to homebuying, the same approach applies. Your mortgage shouldn’t be a one-size-fits-all situation. A good lender helps you sort through the options, asks the right questions, and finds a loan that fits your goals instead of just tossing something in your bag and hoping for the best.

10/26/2026

An Adjustable-Rate Mortgage (ARM) doesn’t have to be scary! Your rate starts fixed for a set number of years before it can adjust, which could mean a lower starting rate compared to some fixed-rate options. Just keep in mind, your payment could change later.

The monster might be fictional, but understanding your mortgage options is no Halloween trick. Let’s talk through what makes sense for you!

10/26/2026

"My husband and I were struggling to get a HELOC, and we were referred to Quinn. He jumped right in to help us, walked us through different options, and found the perfect loan for our needs. He made the process so much easier, and we truly appreciate his help and guidance. We highly recommend him to anyone looking for help with their lending needs!" says yasmin on Google

★★★★★ My husband and I were struggling to get a HELOC, and we were referred to Quinn. He jumped right in to help us, walked us through different options, and found the perfect loan for our needs. He made the process so much easier, and we truly appreciate his help and guidance. We highly r...

10/22/2026

Everyone knows location matters when buying your first rental property -but finding the right investment property isn't just about choosing a neighborhood you love.

It's about understanding the numbers.

From Sugar House and the Avenues to Rose Park, Millcreek, and nearby Murray, different neighborhoods offer different property types, price points, and rental opportunities.

Before purchasing a rental property, take time to research comparable rents, property taxes, insurance costs, vacancy trends, and potential maintenance expenses.

The goal isn't necessarily to find the prettiest property. It's to find a property that makes sense for your investment strategy.

And if you're considering a DSCR loan in Salt Lake City, the property's qualifying rental income can play an important role in your financing options.

A little research now can help you make a more informed decision later.

Looking at investment properties in Salt Lake City or Salt Lake County? Let's talk about how financing fits into your plans.

10/21/2026

One of the best parts of owning a home? You can paint the walls whatever color you want without asking your landlord first. 🎨 From a bold accent wall to finally getting rid of that rental beige, sometimes making a house feel like yours starts with a little paint and a free Saturday.

10/16/2026

If you’ve been saving cash in a drawer, safe or very creative hiding spot, your lender may have a few questions if you want to use it for your purchase. Mortgage funds generally need to be sourced and documented, which is a lot harder when the money has been sitting around like Halloween candy nobody is allowed to touch. Your savings are yours — just make sure there’s a paper trail.

10/15/2026

Every real estate investor starts somewhere, and your first rental property could genuinely be the beginning of something bigger!

If you've been thinking about purchasing an investment property in Salt Lake City, you may have more financing options than you realize.

Traditional investment loans typically look at your income, credit, debts, and down payment. But other options, like DSCR loans, may allow qualified investors to use the property's rental income to help determine eligibility instead of relying primarily on personal income.

Before you start shopping, it's important to understand your financing options, potential rental income, property expenses, and how much cash you'll need upfront.

You don't need to own multiple properties to start exploring real estate investing. You just need a plan.

Thinking about buying your first rental? Let's run the numbers and see what options may work for you!

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

https://quinnrichins.vandykmortgage.com/

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