(801) 655-3993 brent@loansybrent.com

Why We All Need a 'Phil Dunphy' on Our Side

Whether or not you’ve ever seen an episode of Modern Family, or know who Phil Dunphy’s character is, the concept of knowing that you have someone in your corner who is looking out for your best interests is something we all want. When it comes to buying a home,...
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Why We All Need A ‘Phil Dunphy’ On Our Side

Whether or not you’ve ever seen an episode of Modern Family, or know who Phil Dunphy’s character is, the concept of knowing that you have someone in your corner who is looking out for your best interests is something we all want. When it comes to buying a home,...
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US Housing Market Moving Further into ‘Buy Territory’

According to the latest Beracha, Hardin & Johnson Buy vs. Rent (BH&J) Index, the U.S. housing market has continued to move deeper into buy territory, supporting the belief that housing markets across the country remain a sound investment. The BH&J Index is...
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4 Reasons to Buy This Fall

It’s that time of year; the seasons are changing and with them come thoughts of the upcoming holidays, family get-togethers, and planning for a new year. Those who are on the fence about whether or not now is the right time to buy don’t have to look much further to...
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Foreclosure Rate Drops to Pre-Crisis Levels [INFOGRAPHIC]

Some Highlights: Only 2.9% of homes are in serious delinquency, down 17.1% from July 2015. This is the 57th consecutive month with a year-over-year decline. The national foreclosure rate has returned to August 2007 levels, at only 0.9%. Source:...
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5 Stats That Prove the Real Estate Market Is Getting Stronger

Whenever there is talk about an improving housing market, some begin to show concern that we may be headed toward another housing bubble that will be followed by a crash similar to the one we saw last decade. Here are five data points that show the housing market will...
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Ready to Make an Offer? 4 Tips for Success

So you’ve been searching for that perfect house to call a ‘home’ and you finally found one! The price is right, and in such a competitive market you want to make sure you make a good offer so that you can guarantee your dream of making this house yours comes true!...
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76% Of US Homeowners Now Have at Least 20% Equity in Their Homes!

CoreLogic’s latest Equity Report revealed that 91.1% of all mortgaged properties are now in a positive equity situation, while 75.9% now have significant equity (defined as more than 20%)! The report also revealed that 548,000 households regained equity in the second...
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Don’t Underestimate the Importance of Using an Agent When Selling Your Home

When a homeowner decides to sell their house, they obviously want the best possible price with the least amount of hassles. However, for the vast majority of sellers, the most important result is to actually get the home sold. In order to accomplish all three goals, a...
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50% of Houses sold in 36 Days or Less in July [INFOGRAPHIC]

Some Highlights: The National Association of REALTORS® surveyed their members for their Confidence Index The REALTORS® Confidence Index is a key indicator of housing market strength based on a monthly survey sent to over 50,000 real estate practitioners. Practitioners...
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The Cost of NOT Owning Your Home

Owning a home has great financial benefits. Because of this, more and more experts are growing concerned about the ramifications of a falling homeownership rate. Today, let’s look at the financial reasons why owning a home of your own has been a part of the American...
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Mortgage Standards Easing TOO MUCH? NO!!

There is no doubt that getting a mortgage is easier today than it was right after the housing crash a decade ago. However, the easing of credit availability has led to some questioning of whether or not we are headed for another housing crisis. Let’s put everything...
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Why Getting Pre-Approved Should Be Your First Step

In many markets across the country, the amount 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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Interest Rates Remain at Historic Lows… But for How Long?

The interest rate you pay on your home mortgage has a direct impact on your monthly payment; The higher the rate, the greater your payment will be. That is why it is important to look at where the experts believe rates are headed when deciding to buy now or wait until...
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Home Prices Up 5.61% Across The Country! [INFOGRAPHIC]

Some Highlights: The Federal Housing Finance Agency (FHFA) recently released their latest Quarterly Home Price Index report. In the report, home prices are compared both regionally and by state. Based on the latest numbers, if you plan on relocating to another state,...
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What Homeownership Means to Americans

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Security

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Family

%

Responsibility

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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?

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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.

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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