Tag - utah mortgage company

“Helped Us to Get Our Mortgage Locked at an Unbelievable Rate”

"Cater is absolutely brilliant and helped us to get our mortgage locked at an unbelievable rate and closed not only on time but a day earlier than needed. Carter has always been our guy. We were out of the country for the entire process and Carter was on the ball the entire time until closing. As always, Carter delivered. Highly recommend!" -R. Barber
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Lock & Shop Options – Helping Offset Rising Rates

It’s no secret we are living in a rising interest rate environment. And with it comes uncertainty and a tricky market that makes purchasing a new home or investment property a bit more of a challenge. We are now offering a brand new, innovative program called Lock-and-Shop. This awesome program is a helpful tool that allows you to lock in an interest rate before you find a home, giving you a huge advantage in the current market - TIME. With a limited supply of homes for sale, it may take you longer to find a home you’d like to purchase. It could be a few months between your pre-approval and you going under contract. During this time interest rates have the potential to rise to the point where you no longer qualify for a mortgage, or you can’t afford a home in your price range. Any increase in your debt load or mortgage payment could prevent you from qualifying. That’s why this program is amazing because it allows you stay qualified while you shop for a home. So how does it work exactly? We lock in your interest rate for 120 days even though you have not found a house. The best part is this program comes at no extra cost to you! However, there is a change depending on how long you’d like to lock for. Let’s say a 30-day lock has an interest rate of 5.25%, then a 120-day lock may have an interest rate of 5.5%. When you do find a house if rates are higher good for you, you’re already locked in at a lower interest rate. However, if rates go lower, we do offer an option where we may be able to negotiate a float down to the current market rate. We’ve been seeing a lot of success with this program. Back in February we locked rates for five buyers who were actively looking but hadn’t found the home they wanted to purchase yet. Three of them just went under contract last week and we were able to use a previously locked-in interest rate, that was a full percentage point lower than today’s market rate. Saving them about $400 a month on their mortgage payment! Plus, if you have been considering building a house this program is perfect for you too. Due to rate increases thousands of people who began building a house last fall no longer qualify. They have not only lost their construction deposit, but time they could have been in another house. So, in addition to free 120 day locks we also offer 180, 270, and 360 day locks. (However, these longer locks do require a 1% deposit which will be refunded when you close on your house). If you know anyone who started building a house but then couldn’t qualify or if you have been thinking about building your dream home but don't want to risk interest rates going up, then let’s look at using this program for you. We can lock in your interest rate today for up to 360 days giving you the peace of mind to build, know what your interest rate and payment will be once complete, and know that you will qualify for the loan once the house is built. The Lock-and-Shop program can give you an exceptional opportunity in this market. So if you are serious about purchasing this year and think this program could benefit your situation, give me a call and let’s talk about getting you locked in a rate today.
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“Ensured We Were Getting the Fairest Purchase Price on Our Home”

Never have we ever had the privilege of working with someone as proactive driven, incredibly kind and committed as Sara Bachynski with ALV Mortgage! She was with us every step of the way from the pre-approval, to close. She called us on a weekly basis to let us know where interest rates were sitting. When we went under contract for our new home, she was contacting us daily to give us updates on where we were in the closing process, and worked tirelessly with our real-estate agent to ensure we were getting the fairest purchase price on our home. She even made it a point to attend our closing so she could walk us through all the documents her and her team carefully created. If ever we buy another home or refinance, she'll be the first person we call, and the only person we recommend to anyone looking to do the same.

Sara, thank you so much for all you've done for us, working with you was such a blast and an absolute pleasure.

-The Smiths

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“Completely Transparent in Regards to Lending Practices”

"Working with Sara was a pleasure. She is completely transparent in regard to her lending practices. She always went way beyond any expectations. Would refer anyone looking for a a mortgage loan or refinance to use Sara to help you. She is AWESOME" -K. Poulson
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“Gave Us the Confidence That We Would Have No Problem Closing on Our Home”

"Carter, Sara and their team were a pleasure to work with in purchasing our first home in Draper. We made the purchase from out of town, without ever meeting each other (our realtor recommended them to us). They made the process super easy, were on top of everything, and always kept us informed. Best of all, they were extremely friendly and gave us the confidence that we would have no problem closing on our home. Thanks Carter and team!" -J. Romasanta
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“Trust Them 100% to Give me the Best Rate”

"Carter, Norah and Erika are the best in the biz! Love working with the ALV team and trust them 100% to give me the best rate and also be as fast as possible!" -C. Bean
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“Clearly Explained Timelines”

"Carter and his team were recommended to me and I was not disappointed. Carter was regularly available to answer my questions about the home buying process. He was friendly and kind. His office staff were prompt to get back to me as well and clearly explained timelines. His staff did what they said they’d do in a timely manner. Would highly recommend and use again." -B. Stucki
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“Every question was answered patiently and quickly”

"Working with Anthony and his staff was great! I had a lot of questions about the mortgage process and how the money for the down payment was calculated. Every question was answered patiently and quickly. I couldn't have asked for better service." -D. Ogden
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