(801) 655-3993 brent@loansybrent.com

5 Myths About Real Estate Reality TV Explained

Have you ever been flipping through the channels, only to find yourself glued to the couch in an HGTV binge session? We’ve all been there… watching entire seasons of “Love it or List it,” “Fixer Upper,” “House Hunters,” “Property Brothers,” and so many more, just in...
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Why Pre-Approval Should Be Your First Step

In many markets across the country, the number of buyers searching for their dream homes greatly outnumbers the amount of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your...
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Prices Rose 7.1% Year-Over-Year [INFOGRAPHIC]

Some Highlights:CoreLogic’s latest Home Price Index shows that prices rose by 7.1% across the United States year-over-year.With mortgage interest rates rising in the short term, CoreLogic believes price appreciation will slow to 4.7% by this time next year.49 out of...
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Is This the Year to Move Up to Your Dream Home? If So, Do it Early

It appears that Americans are regaining faith in the U.S. economy. The following indexes have each shown a dramatic jump in consumer confidence in their latest surveys:The University of Michigan Consumer Sentiment IndexNational Federation of Independent Businesses'...
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Top 3 Things Second-Wave Baby Boomers Look for in a Home

According to data from the U.S Census bureau, there are approximately 76.4 million baby boomers living in the United States today. Contrary to what many think, there are very different segments within this generation, and one piece that sets them apart are their...
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You Need a Professional on Your Team When Buying a Home

Many people wonder whether they should hire a real estate professional to assist them in buying their dream home or if they should first try to do it on their own. In today’s market: you need an experienced professional!You Need an Expert Guide if You Are Traveling a...
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If Your Home Hasn’t Sold Yet… Check the Price!

The residential housing market has been hot. Home sales have bounced back solidly and are now at their second highest pace since February 2007. Demand has remained strong throughout the winter as many real estate professionals are reporting bidding wars with many...
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3 Tips for Making Your Dream of Buying a Home Come True [INFOGRAPHIC]

Some Highlights:Realtor.com recently shared “5 Habits to Start Now If You Hope to Buy a Home in 2017.”Setting up an automatic savings plan that saves a small amount of every check is one of the best ways to save without thinking a lot about it.Living within a budget...
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Millionaire to Millennials: Buy a Home!!

Last week, CNBC ran an article quoting self-made millionaire David Bach explaining that not purchasing a home is "the single biggest mistake millennials are making" because buying real estate is "an escalator to wealth.”Bach went on to explain:"If millennials don't...
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Year-Over-Year Sales Increases Reach Double Digits in 5 Price Categories

The National Association of Realtors’ most recent Existing Home Sales Report revealed that, compared to last year, home sales are up dramatically in five of the six price ranges they measure.Homes priced between $100-250K showed a 20.7% increase year-over-year. This...
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Year-Over-Year Price Appreciation Reaches Double Digits in 5 Price Categories

The National Association of Realtors’ most recent Existing Home Sales Report revealed that, compared to last year, home sales are up dramatically in five of the six price ranges they measure.Homes priced between $100-250K showed a 20.7% increase year-over-year. This...
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Inadequate Inventory Driving Prices Up

The latest Existing Home Sales Report from the National Association of Realtors (NAR) revealed a direct correlation between a lack of inventory and rising prices.We are all familiar with the concept of supply and demand. As the demand for an item increases the supply...
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Here’s to a Wonderful 2017!

We hope 2017 is a great year for you, both personally & professionally. Source:...
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5 Reasons to Resolve to Hire a Real Estate Professional [INFOGRAPHIC]

Some Highlights:As we usher in the new year, one thing is for certain… if you plan to buy or sell a house this year, you need a real estate professional on your team!There are many benefits to using a local professional!Pick a pro who knows your local market and can...
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Start 2017 Off Right… List Your House for Sale

As we are about to bring in the New Year, families across the country will be deciding if this is the year that they will sell their current house and move into their dream home. Many will decide that it is smarter to wait until the spring “buyer’s market” to list...
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What Homeownership Means to Americans

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Security

%

Family

%

Responsibility

%

Happiness

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?

A

Close More Quickly

A Pre-Approval gets the heavy lifting of the loan process out of the way. This helps you close more quickly.

Pre-Qualification

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…

Pre-Approval

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.

Get Started Now

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

Attorney, Strong & Hanni

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

Vice President, Society of Incentive Travel Excellence

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!!

Jeff Barrett

Business Development, SIRQ

When Should You Refinance?

Lower Rate

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.

f

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.

Save Money

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! 

Get Started Now

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

Manager, Adobe

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

Civil Engineer, Horrocks Engineers

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

Business Analyst, Progressive Leasing

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.

Manifestos

Overview

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…

Mission Statement

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.

Culture

Communication

  • 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

Integrity

  • We are OPEN and FORTHCOMING
  • We treat your information with the complete PROFESSIONALISM
  • We do our best to DELIVER on every promise
  • We pledge to be WORTHY of your business and trust

Assertive Process

  • 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.

Don't Be Shy

Drop me a line anytime, I am here to help.

 

Email or Call (801) 655-3993