Find Mortgage Lenders in Orem, UT
Directory of mortgage lenders in Orem, 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 20 mortgage lenders in Orem, 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 Orem Utah help home buyers and homeowners secure financing for residential properties. Utah law requires lenders to be licensed through the Utah Department of Financial Institutions. Local lenders understand the Orem real estate market and can guide you through conventional FHA and VA loan options.
What Does a Mortgage Lender in Orem Cost?
Typical costs for a mortgage lender in Utah include an origination fee of 0.5 to 1.0 percent of the loan amount. Appraisal fees range from 400 to 700 dollars. Title insurance and escrow fees add 1,500 to 3,000 dollars. Closing costs in Utah generally total 2 to 5 percent of the purchase price. This is general information and 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 Orem Utah?
You will need recent pay stubs W-2 forms tax returns bank statements and a valid ID. Utah lenders also require a signed authorization to check your credit report. Self employed borrowers may need additional profit and loss statements.
How long does a mortgage loan process take in Utah?
A typical mortgage loan in Utah takes 30 to 45 days from application to closing. Utah law requires a three business day right of rescission for most refinances. Delays can occur if appraisal or title work takes longer than expected.
Are there Utah specific programs for first time home buyers?
Yes Utah Housing Corporation offers down payment assistance and fixed rate loans for first time buyers. These programs have income limits and require a homebuyer education course. You must use a lender approved by Utah Housing to access these funds.