Your Premier Mortgage Expert

The Independent Home Loans Team is your premier mortgage team located in Sandy, Utah. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in California, Texas, Florida, Arizona, Colorado, and Utah.

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

Let us help you get your home today.

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Years Experience

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Loans Closed

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Of our clients would recommend us

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Rated mortgage company in Sandy
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Low Rates. Zero Hassles.

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The Independent Home Loans Team

Start your home loan process here!

The Independent Home Loans team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

 

Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at the lowest rate no matter what your needs are.

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Loan Options

We Offer Many Different Loan Programs To Meet Your Needs.

100% Down Payment Assistance

DPA provides essential financial support that helps homebuyers to achieve their dream of homeownership.
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Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.
Refinance Loan Options

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

VA Loan Options

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.
Jumbo Loan Options

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other financing option, our team of experts will help you find the solution that works best.
Purchase Loan Options

Reverse Mortgage

This is a type of loan that allows homeowners who are aged 62 or older to convert some of their home equity into cash without having to sell or move out of their home.
Learn More
View All Loan Programs

What our clients are saying

Lizzie T.

Trace was AMAZING to work with and helped us to get a great rate and a monthly payment that worked for us even in this tough economy. He did a great job explaining our options in a way that was easy to understand and found the best solution for our needs. We were able to close on our new house on time thanks to Trace's help in the best loan. He was always available to answer any questions we had (and we had a lot!!!). We were originally planning on going with our builder's preferred lender but thankfully we were referred to Trace, who was able to get us into a much better loan with better rates and closing costs than what we would have gotten with the preferred lender's "incentives". We will for sure refer Trace to all our family and friends!

Johathan S.

Working with Trace was very easy. He was responsive, took time to explain our options and the market. We really felt he was on our team trying to get us what was best for us and not just close a deal. Would (and have) recommend him to friends!

Jed H.

We refinanced with Trace to take advantage of lower rates. He was awesome and made things really easy and convenient for us. He explained everything in detail and gave us different options to consider. We would recommend Trace to anyone looking to refinance or get into a new mortgage. He will take care of you and make sure the loan meets

Call Us: (801) 864-4816