What Homeownership Means to Americans
Are You Purchase Ready?
Know Your Ceiling
I pre-approve you for the top of your affordable range. That way you know you are ready for any home you find below that number. Search with confidence.
Shake Out Challenges
The Pre-Approval process identifies any potential financing challenges. That’s a good thing because we can create a plan to overcome those challenges.
Be Taken Seriously
Imagine receiving two purchase offers at the same time — one is is Pre-Approved and the other is not. Which one would you take more seriously?
Close More Quickly
A Pre-Approval gets the heavy lifting of the loan process out of the way. This helps you close more quickly.
You can be Pre-Qualified in a conversation. We discuss your goals, credit history, employment, income, debts, and assets. We review the pros and cons of available financing options and narrow down the best fit for your plans. Our conversation will give you a lot of useful information, and even a solid game plan to finance your house, but it is only a conversation. Ultimately, we want something more substantial…
Most real estate agents won’t take you out to look at homes without a Pre-Approval. This step includes all the information to get Pre-Qualified but with a real difference — documentation. We build a file that documents your financial information (credit report, pay stubs, bank statements, etc.). We specify a loan program, purchase price, and interest rate. And finally, we submit your scenario for underwriting. Once we have an underwritten approval, we issue a Pre-Approval Letter that your real estate agent includes in any offer you make on a home.
Brent Knapp is an excellent mortgage broker. We have used him multiple times to refinance our home. He is responsive and timely, excellent traits for his line of work. Resourceful, too. I remember a time that we ran into difficulties created by a prospective lender. Brent not only helped us through that challenge but was able to find a work-around that ending up getting us a better deal and saving more money. I give Brent Knapp my highest recommendation if you are looking to refinance your home.Byron Martin
Brent made the usually unpleasant experience of working with lenders pleasurable! He understands the market, it’s intricacies, is patient!! I really enjoyed working with Brent and can recommend him highly. I’ve done this 6 times in my life and he was by far the best experience.Pam Payne
We have worked with Brent a couple of times now and keep coming back because of his honesty and professionalism. We have also recommended him to family members that have had good experiences as well.
Our last experience was quick and convenient. Brent was great at communicating information quickly and really kept us in the loop. I’m confident we’ll be coming back when we finance our next home!!
When Should You Refinance?
There are a number of ways to lower your mortgage payment. An obvious option is to lower your interest rate. Even a small reduction in rate can have a dramatic affect over time.
Eliminate Mortgage Insurance
We have more than one option to eliminate, or at least reduce, mortgage insurance — even if you don’t have much equity.
Use Your Equity
A cash-out refinance allows you to use your home equity to pay off debt, remodel the kitchen, buy a new car, or pay for your child’s college tuition.
Choose Your Term
You have more choices than just a 15 or 30-year term. Now you can choose any specific year you like. Already been paying for three years? Get a 27-year term mortgage.
When does it make sense to refinance? I can’t decide for you, but I can give you information and feedback to help you make the decision. I know this: a refinance should be simple, it should be fast, it shouldn’t cost an arm and a leg, and most of all, it should save you money!
I worked with Brent on two occasions. First was in securing a mortgage for a home. He was very flexible in working with my unique situation and addressing my needs to help me get into the home my wife and I wanted. I later approached Brent again for a refinance of the same mortgage. Brent is very responsive, gives you detailed information about the process and communicates well status of where things are. I’ve enjoyed working with him on both occasions and would highly recommend him.Paul Beck
I have had Brent help me with financing loans on three homes that I have purchased. He has been timely, professional and personable. I have found that I don’t have to worry when Brent tells me he will do something – it always gets done as promised and when it’s promised. I highly recommend Brent for services in mortgage financing.Kay Christofferson
Brent is fantastic to work with. I have used his services on multiple occasions for my mortgage needs. Each time Brent has been professional and proactive, with excellent and timely communication throughout the process. I will continue to use Brent in the future for all of my mortgage needs and have complete confidence in recommending his mortgage expertise to friends and family.Chad Schoepke
Frequently Asked Questions
The pieces of mortgage financing are not overly difficult to understand by themselves — complication comes because there are so many pieces and how they affect each other is not always obvious.
Just as each person’s situation is different, so are the questions that need to be asked and answered. I can’t make your decisions for you, but I can give you the information you need to make the best choices and feel secure in your decisions. Please don’t be shy about what you need to know.
Email or call (801) 655-3993
What kind of clients do you work with?
We help real people finance and refinance homes, and have done it for over 20 years. Whether you are a first-time buyer, a move-up or move-down buyer, a current homeowner looking to restructure to a lower rate or term, or an investor adding to your inventory, we can help.
Do I qualify?
This is an important question for purchase and refinance loans alike. Everyone’s situation and goals are different — let’s get on the phone and create a game plan.
What is your turn around time?
Each individual financial situation determines the steps necessary to finalize the mortgage. In our experience, purchase loans happen very quickly because there is a deadline — everyone is motivated. They generally take 14 to 30 days. Refinancing tends to take a bit longer — 21 to 45 days — typically because the homeowner responds to requests more slowly than on a purchase.
You have a CHOICE when you need mortgage financing. For that reason, it is a PRIVILEGE to be considered for the job! Your goals and situation matter to us and we pledge to make this experience a good one…
Simply put, we want to EARN your goodwill so you think of us whenever you need a mortgage. Our mission is to provide professional advice, efficient processes, and unwavering integrity. Ultimately, we hope to nurture FRIENDSHIPS that make our work satisfying and meaningful.
- We ANSWER the phone when called
- We RETURN MESSAGES promptly
- We give regular STATUS UPDATES
- We ANSWER your QUESTIONS
- We give the BEST ADVICE for your goals and circumstances
- We are OPEN and FORTHCOMING
- We treat your information with complete PROFESSIONALISM
- We do our best to DELIVER on every promise
- We pledge to be WORTHY of your business and trust
- We endeavor to make it so you NEVER WAIT on us
- We treat your file as a PRIORITY
- We always MOVE YOUR FILE to the next available step in the process
Products & Rates
- We offer COMPETITIVE rates
- We offer CUTTING EDGE programs
- We use our YEARS of experience to match you with the BEST option
Our Work Flow
Discuss and Decide
The very first step is for us to review your situation and what you want to accomplish. Then decide which option is best for you.
Build a File
The next step is to build a file with documentation to support your loan scenario.
Underwrite and Close
The last step is to have your file approved and cleared by underwriting and then sign the final papers.