• 			     “No matter what type of loan you need, we’re with you every step of the way” 

     

    “No matter what type of loan you need, we’re with you every step of the way” 

  • 			     “The perfect home is waiting for you, let us find you the perfect loan to go with it.” 

     

    “The perfect home is waiting for you, let us find you the perfect loan to go with it.” 

  • 			    Xcel Financial

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17/Jul/2019

Since pre-approval is so advantageous, you want to make sure that it's still valid when you make an offer. After all, falling in love with a home can sometimes take a few weeks. So the question is: For how long is a mortgage pre-approval valid?

Mortgage 101: For How Long is My Pre-Approval Valid?

10/Jul/2019

You need to know is that there are two ways to buy a foreclosure. You can purchase a foreclosure through auction or as a real estate owned purchase. Here are the differences.

Read This Before You Buy A Foreclosure

03/Jul/2019

Selling your home fast takes more than luck. It involves thoughtful planning and a few professional tricks that'll help convince homebuyers to make an offer quickly. We asked our real estate agent friends for their best and lesser-known advice on how to sell a home --fast! Here is what they had to say:

Lesser-Known Tricks To Sell Your House --Fast!

26/Jun/2019

There three numbers that matter the most when it comes to a home loan application. They are your credit score, your debt-to-income ratio, and your loan-to-value ratio. These specific numbers matter because they affect your ability to qualify for a home loan as well as your interest rate for the loan.

3 Numbers That Matter The Most on Home Loan Applications

19/Jun/2019

Here are the top financial and life changes you want to avoid while waiting for your mortgage to close.

Stop! Don't Delay Closing Your Loan With These Mistakes

12/Jun/2019

The typical advice for first time home buyers is to purchase a starter home --that is, the home that's one step away from their larger "forever" home. But is that always the best route to go?

It Might Be Better To Skip The Starter Home --Here's Why

Your Utah Mortgage Team
 Xcel Financial is committed to helping you find the right mortgage product for your needs.
We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.
We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

We offer a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide you with the most current product and programs available.

We are able to assist in the financing of the following loan Programs

  • Conventional Fixed Rate Loans 
  • Conventional Fixed Rate Loans
  • Fixed Period ARM Loans
  • Streamline Loans
  •  Jumbo Loans
  • FHA Purchase 
  •  VA Loans
  • USDA Purchase Loans

  Call us today for a FREE mortgage consultation! We are here to deliver loan proposals which fit your needs and have a commitment to quality, service, and on-time closings. 

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