Utah Home Loans

The Home Loan Process

Demystifying Home Loans


If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

Loan Application & Processing



When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

We Help You Get

The Best Loan



We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!

Local Lending


Choosing the right lender is important in the Utah market. With the aggressive mentality of the market, and the highly competitive offer process, having a local lender that will be recognized for quality, smoothness, volume closed and a great reputation is of the utmost importance. It puts your offer on the map and gives you a leg up against other buyers with a national lender that may or may not be able to keep up with the intensity of the local market.

About Loan Remedy:

Whether you’re buying your first home or upgrading into something bigger, we’ve got a loan for you.  Our loan options include everything from jumbo loans to FHA loans—and everything in between.  We listen to your needs and then compare rates from a huge number of lenders to make sure you’re getting the absolute best mortgage for you.

Loan Remedy is available 24/7, and we make the process prompt and painless. From low rates to speedy approvals to fast closings, we’re here to make you love your mortgage.


Connect now to see your options.

Zach Coombs, NMLS ID 1118518



Loan Remedy

4568 South Highland Drive, Suite 250

Salt Lake City, UT 84117


NMLS ID 1827478 | Equal Housing Lender




Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!