Loan programs

Conventional
FHA
VA
USDA
Jumbo
First-Time Buyer
Refinance
Adjustable-Rate (ARM)
Cash-Out Refinance
All programs →

Calculators

Utah mortgage ratesDaily benchmarks + what moves them
How much can I afford?A realistic price range from your numbers
Rent vs. buyWhich wins over your timeline
Refinance savingsMonthly change + breakeven
Extra paymentsPay off years sooner
Monthly paymentEstimate P&I with your own rate
Closing costsWhat you actually need at the table
Down payment & PMIYou do not need 20% down

Guides & tools

Utah area guidesSalt Lake, Utah County, St. George & Ogden
Homebuyer readiness checkFour questions, then a clear next step
Find your pathSee which loan categories fit you

Start hereKnow your real number

Pre-qualification is a short, no-obligation conversation with Emily & Leif.

Get pre-qualified

About Contact

Call us

Find your path

A few questions, then a clear next step

No numbers, no obligation — just a faster way to see which loan programs fit your situation.

01 / 04

Question 1 of 4: Where are you in the process?

Just browsingActively shoppingUnder contract

Question 2 of 4: Which sounds most like you?

Buying my first homeBuying againRefinancingVeteran or active military

Question 3 of 4: What matters most right now?

Keeping the down payment smallA predictable monthly budgetBuying in a rural or suburban areaA price range above conforming limits

Question 3 of 4: What are you hoping to do?

Adjust my loan termTap into my equityChange my loan type

Question 4 of 4: When are you hoping to move forward?

In the next 3 months3 to 12 months outJust planning ahead

.quiz-step[hidden]{display:block!important}.quiz-nav [data-quiz-back],.quiz-nav [data-quiz-next]{display:none!important}.quiz-nav [data-quiz-submit]{display:inline-flex!important}.quiz-wheel,.quiz-progress,.quiz-count{display:none!important}

Where you areYour situationWhat mattersTimelineYour results

EMK Mortgages

EMK Mortgages is Emily and Leif Kolb — a Utah husband-and-wife mortgage team helping buyers and homeowners find the right loan, from pre-qualification to closing.

Emily Kolb

(301) 742-0537call or text

emily@emkmortgages.com

Leif Kolb

leif@emkmortgages.com

Loan programs

Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
First-Time Home Buyer Programs
Cash-Out Refinance
Adjustable-Rate Mortgages
All loan programs

Rates & calculators

Utah mortgage rates
Monthly payment
How much can I afford?
Rent vs. buy
Refinance savings
Extra-payment payoff
Closing costs
Down payment & PMI

Utah area guides

All Utah areas
Salt Lake City
Utah County
St. George
Ogden

Company

Buying a home
Refinancing
Find your path
Homebuyer readiness check
About Emily & Leif
Contact
Privacy policy

Licensed loan officers

Emily KolbNMLS #2015063Verify
Leif KolbNMLS #2818453Verify

Equal Housing Opportunity

EMILY KOLB, NMLS #2015063 LICENSED IN ALABAMA, COLORADO, DISTRICT OF COLUMBIA, FLORIDA, ILLINOIS, IOWA, KANSAS, LOUISIANA, MICHIGAN, MINNESOTA, MONTANA, NEW MEXICO, NORTH DAKOTA, OHIO, OKLAHOMA, OREGON, PENNSYLVANIA, TEXAS, UTAH AND VIRGINIA.LEIF KOLB, NMLS #2818453 LICENSED IN UTAH.UNITED LENDING TEAM LLC, 1050 WILSHIRE DRIVE SUITE 300 TROY MICHIGAN 48084 NMLS:2273319 (WWW.NMLSCONSUMERACCESS.ORG), THIS IS NOT A COMMITMENT TO MAKE A LOAN. ALL APPROVALS ARE SUBJECT TO UNDERWRITING GUIDELINES. RATES AND PROGRAMS ARE SUBJECT TO CHANGE AT ANY TIME. NOT ALL PRODUCTS OR SERVICES ARE AVAILABLE IN ALLSTATES. WWW.EMKMORTGAGES.COM | (301) 742-0537. 2026. ALL RIGHTS RESERVED. EQUAL HOUSING OPPORTUNITY.

Cookies on this site

We use only what this site needs to work. If you accept, we may also use analytics to understand which pages actually help people. Declining changes nothing you can read or do here. Privacy Policy