Utah mortgage team

Home loans in Utah, guided by people who answer the phone.

Get pre-qualifiedResearch first
Your loan officers

Meet Emily & Leif

A husband-and-wife team. You work directly with the two of us — the same people from your first call to closing day, licensed and accountable to you.

Call usOur story

Emily Kolb
NMLS #2015063 · Verify

Leif Kolb
NMLS #2818453 · Verify

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Loan programs

Options matched to your situation

Conventional, FHA, VA, USDA, jumbo, and more. We help you compare and choose.

Conventional

The most common loan type, backed by Fannie Mae or Freddie Mac. Flexible terms for buyers with steady credit and income.

  • Low to standard down payment
  • Steady credit profile
  • Best for: Steady credit and income

FHA

Insured by the Federal Housing Administration, with lower down-payment options and more flexible credit guidelines.

  • Lower down payment options
  • Flexible credit guidelines
  • Best for: Lower down payment, flexible credit

VA

A benefit earned through military service: no down payment required for eligible buyers and no monthly mortgage insurance.

  • No down payment (eligible buyers)
  • Flexible credit guidelines
  • Best for: Veterans, active duty, eligible spouses

USDA

Backed by the U.S. Department of Agriculture for eligible homes in qualifying rural and suburban areas.

  • No down payment (eligible areas)
  • Moderate credit guidelines
  • Best for: Eligible rural and suburban homes
See all 8 programs
The process

How your loan comes together

Four clear stages — and the same two people beside you through all of them.

  1. Pre-qualification

    A short conversation to understand your goals and a realistic range for your situation.

    What you'll have: a clear, realistic price range

  2. Application

    We gather your details and documents and present your loan options.

    What you'll have: an offer sellers take seriously

  3. Underwriting

    Underwriting reviews your file. We keep you updated and walk any conditions through with you.

    What you'll have: a file that's moving, with updates from us

  4. Clear to close

    You sign, fund, and get the keys. We are here after closing, too.

    What you'll have: keys.

Four stages. Two people. One number to call.

Find your path

Not sure which loan fits?

Answer a few quick questions — no numbers, no obligation — and see which loan categories are worth exploring for your situation.

Take the 60-second path finder
Areas we serve

Wherever you're buying in Utah

From the Wasatch Front to St. George — the same local guidance, start to finish. If you're buying anywhere in Utah, we can help.

Explore our Utah area guides →

Northern Utah

  • Ogden
  • Logan
  • Layton
  • Bountiful
  • North Salt Lake
  • Farmington

Salt Lake Valley

  • Salt Lake City
  • Sandy
  • West Jordan
  • Millcreek
  • Holladay
  • Draper
  • Herriman

Utah Valley

  • Provo
  • Orem
  • Lehi
  • American Fork
  • Spanish Fork
  • Eagle Mountain

Southern Utah

  • St. George
  • Cedar City
  • Washington
  • Hurricane

Park City & Wasatch Back

  • Park City
  • Heber City
  • Kamas

Not buying in Utah? We're also licensed to originate in 19 more states across the country — reach out and we'll let you know how we can help.

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Questions

Mortgage basics, answered

Should I get pre-qualified before I start house hunting?
Yes. A pre-qualification shows you a realistic price range and signals to sellers that you are a serious buyer. It is a short, no-obligation conversation.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an initial estimate based on the information you share. Pre-approval goes further, verifying your income, assets, and credit so your offer carries more weight.
How much do I need for a down payment?
It depends on the loan program. Some, like VA and USDA, can require no down payment for eligible buyers; others start lower than the 20% many people assume. We will walk through the options for your situation.
What credit score do I need to buy a home?
There is no single number — different programs have different guidelines, and several work with a range of credit profiles. We will review where you stand and what fits.
How long does the mortgage process take?
Timelines vary by loan type and your situation. Once you are pre-qualified, we will give you a realistic schedule and keep you updated throughout.
Do you work with first-time buyers?
Absolutely. A large part of what we do is guiding first-time buyers through the process and explaining each step in plain language.

Not sure where to start?

Tell us a little about your goals and we will point you in the right direction — no pressure, no obligation.

Get pre-qualified