Find Mortgage Lenders in Bountiful, UT
Directory of mortgage lenders in Bountiful, Utah. Verify credentials with the state state mortgage licensing authority before hiring.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Utah before hiring.
Showing 19 mortgage lenders in Bountiful, UT
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage lenders in Bountiful Utah help homebuyers and homeowners secure loans for purchasing or refinancing property. Utah law requires lenders to be licensed through the Nationwide Multistate Licensing System. Local lenders understand the unique housing market in Davis County and can guide you through conventional FHA and VA loan options.
What Does a Mortgage Lender in Bountiful Cost?
Typical costs for a mortgage lender in Utah include an origination fee of 0.5 to 1 percent of the loan amount and third party fees for appraisal title insurance and credit report. For a 300000 loan total closing costs often range from 6000 to 10000. Utah law caps prepayment penalties on most loans. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Bountiful Utah?
You typically need pay stubs tax returns bank statements and a valid ID. Utah lenders also require a signed purchase agreement and proof of homeowners insurance. Self-employed borrowers may need additional profit and loss statements.
How long does it take to close a mortgage in Utah?
Closing a mortgage in Utah usually takes 30 to 45 days from application to funding. Utah law does not set a specific timeline but lenders must provide a Loan Estimate within three business days of application. Delays can occur if appraisal or title work takes longer.
Are there special mortgage programs for first time home buyers in Utah?
Yes Utah Housing Corporation offers down payment assistance and fixed rate loans for first time buyers. These programs have income limits and require a minimum credit score of 620. Borrowers must complete a homebuyer education course approved by the state.