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Do you have questions or want to chat? Feel free to reach out to us either by phone or by filling out our contact form. We’re here to help and ready to assist with any inquiries you may have.

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Call Bliss (385) 539-7692Call Tyson (801) 913-0594
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Licensed and proudly serving clients in Utah, Arizona, and Idaho.

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These FAQs cover some of the fundamental questions that individuals often have when considering a mortgage, but we are here to provide personalized guidance and address any specific concerns you may have.

What is the minimum credit score required to qualify for a mortgage?

The minimum credit score varies depending on the loan type. We can help you understand the specific requirements and work on improving your credit if needed.

What documentation is required for a mortgage application?

Commonly required documents include pay stubs, W-2’s, bank statements, and identification. Self-employed borrowers require additional documentation.  We’ll provide you with a checklist of necessary documents and guide you through the application process.

What is the maximum loan amount I can qualify for?

Loan limits depend on factors such as your income, creditworthiness, and the property’s value. Our team will assess your financial situation to determine your maximum loan amount.

What are the closing costs associated with a mortgage, and can they be negotiated?

Closing costs include various fees, such as appraisal, title insurance, and origination charges. Some costs can be negotiated, while others cannot. We’ll provide a detailed breakdown of your closing costs and help you explore options to save you as much money as possible.

How long does the mortgage approval process typically take?

The timeline can vary, but it usually takes 21 to 30 days to complete the mortgage approval process. Delays can occur due to various factors, but we’ll work diligently to streamline the process as much as possible and have closed loans in less time when needed.

What is the difference between a fixed-rate and adjustable-rate mortgage (ARM)?

A fixed-rate mortgage has a stable interest rate throughout the loan term, while an ARM typically offers a lower initial rate that adjusts periodically. We can explain the pros and cons of each option to help you decide which suits your needs.