Tim Roberts, Mortgage Loan Officer, Bank of Utah

Tim Roberts, Mortgage Loan Officer, Bank of Utah With more than 20 years of lending experience in Utah, I will help you build a plan tailored t... Why Choose Tim Roberts, Mortgage Loan Officer, Bank of Utah?

With more than 20 years of lending experience in Utah, I will help you build a plan tailored to your needs. My personal satisfaction comes from providing insight and advice to ensure each borrower's real estate financing is aligned with long-term goals. At Bank of Utah in Sandy, I have employed a team of professionals to support me and to ensure we are never too busy to help a friend, a family member, or an associate finance a home or restructure their debts and receive maximum short-term benefit and long-term gain. My core value is building relationships one loan at a time. I am available during and after hours to talk with my clients when you need an advocate. I believe loans should have a long term purpose and should create value for my clients. Services I Offer:
Mortgage Loans
FHA Loans
Veterans VA Loans
Lot Loans
Construction Loans
Debt Consolidation
Cash Out
Remodel Loans
Refinance
Car Loans
Truck Loans
Purchase Financing Loans
Real Estate Loans
Home Equity Lines of Credit
Out of State Loans
Investment Properties

Contact me to learn more about your mortgage loan options. NMLS # 308603

Think through the full path, not just the front door. A veteran buying with a VA loan should gather the DD214, recent pa...
09/09/2026

Think through the full path, not just the front door. A veteran buying with a VA loan should gather the DD214, recent pay stubs, and any 1099s or W-2s early, then flag issues like prior rent-free housing, a co-borrower, or a short work gap so the file is built around facts instead of assumptions.

A veteran using a VA loan should ask whether bringing more cash to closing changes the pricing before locking. Lenders o...
09/08/2026

A veteran using a VA loan should ask whether bringing more cash to closing changes the pricing before locking. Lenders often look at the full file, so a stronger asset position can matter more when income is clean and the rest of the profile is simple. The mistake is assuming every extra dollar has the same effect; ask for the loan estimate to show where added funds actually help.

A buyer with solid income can still get stalled by one avoidable error: waiting until after house hunting to gather docu...
09/07/2026

A buyer with solid income can still get stalled by one avoidable error: waiting until after house hunting to gather documents. Pull together recent W-2s, 1099s, pay stubs, and bank statements before you start shopping so underwriting does not turn into a last-minute scramble. Clean paperwork makes the file easier to read and keeps the process moving.

If your budget feels tight, the problem is often the loan structure, not just the house price. A buyer using FHA may hav...
09/06/2026

If your budget feels tight, the problem is often the loan structure, not just the house price. A buyer using FHA may have different tradeoffs than someone choosing conventional, and a lender can show how debt, down payment, and mortgage insurance affect the file before you make an offer. That keeps the search grounded in what you can actually document.

A buyer with steady income but a pile of 1099s needs a different prep list than a W-2 employee. Gather the last two year...
09/05/2026

A buyer with steady income but a pile of 1099s needs a different prep list than a W-2 employee. Gather the last two years of tax returns, recent pay stubs or profit-and-loss records, and a clean explanation for any deposit that is not payroll. That kind of file helps an underwriter verify the story behind the numbers instead of chasing missing paperwork later.

For first-time buyers, the paperwork matters as much as the program itself. A lender will usually look at recent pay stu...
09/04/2026

For first-time buyers, the paperwork matters as much as the program itself. A lender will usually look at recent pay stubs, W-2s, and sometimes 1099s or tax returns to confirm income, then match that against USDA guidelines and the home's location. Compare this to your situation. https://bit.ly/4g6DGzl

A veteran buying a first home should start by checking whether the property needs repairs that VA financing may not like...
09/03/2026

A veteran buying a first home should start by checking whether the property needs repairs that VA financing may not like. If the house has peeling paint, missing handrails, or other safety issues, ask the seller to fix them before the appraisal, or plan for a different property. That simple step can prevent delays later.

Before a cash-out refinance is even considered, list every balance you want to consolidate and note whether any of them ...
09/02/2026

Before a cash-out refinance is even considered, list every balance you want to consolidate and note whether any of them have deferred payments or variable terms. That matters because the new loan has to fit the full file, not just the headline debt. A borrower with self-employment income, for example, may need 1040s in addition to bank statements. Compare this to your situation. https://bit.ly/4g6DGzl

A VA loan does not mean zero paperwork. A veteran with 1099 income, a recent move, or a gap in employment may still need...
09/01/2026

A VA loan does not mean zero paperwork. A veteran with 1099 income, a recent move, or a gap in employment may still need a cleaner file than expected, especially if the lender has to verify residual income and housing history. The practical step is to gather W-2s, 1099s, pay stubs if applicable, and any explanation for gaps before underwriting asks.

A buyer with steady income but a thin file often gets stuck because the issue is documentation, not effort. If you are u...
08/31/2026

A buyer with steady income but a thin file often gets stuck because the issue is documentation, not effort. If you are using 1099s, W-2s, or a recent job change, gather the full paper trail early so underwriting is not forced to guess at your story.

Address

50 S 200 E
Salt Lake City, UT
84111

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+18015608876

Website

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