Mortgage guidance · Utah
Utah heroes pay less to own a home.
VA loans with no lender origination fee, zero-down options, and up to $3,000 back at closing for veterans, active military, and first responders.
Advice before application. 30+ years in mortgage lending. Utah veteran-owned partners. Rate NMLS #2611.
Choose your path
Start with the program built for you.
VA purchase · refinance · IRRRL · renovation
Veterans & Military
Use your VA benefit with clear numbers, zero-down options, and no lender origination fee.
Grants · down payment help · closing credits
First Responders
Compare available assistance and Hero Rewards without losing sight of the monthly payment.
How it works
Three steps. Real numbers.
- 01
Tell us about your service
We pull your Certificate of Eligibility for you.
- 02
Get your real numbers
Payment, cash to close, and what programs stack.
- 03
Close and move in
Most files close on time, many early.
Utah veteran-owned business directory
Spend local. Support veteran-owned.
Food & Drink · Moab
Real Estate
Health
Food & Drink · Cottonwood Heights
Veteran and woman co-owned coffee roaster and café.
Home Services
Home Services
Real Estate
Real Estate
Nonprofit · Herriman
Resource and referral services for veterans, first responders, and their families.
Home Services · Salt Lake City
Veteran-owned junk removal and hauling serving the Wasatch Front.
Food & Drink · Ogden
Veteran-owned specialty coffee roaster.
Food & Drink · Salt Lake City
Veteran-crafted spirits and coffee supporting veteran and first responder mental health.
Food & Drink · Logan
Patriot-owned small-batch coffee roaster supporting veteran programs.
Home Services · Washington
Army veteran-owned home inspection company serving Washington, Salt Lake, and Summit Counties.
Salt Lake City
Disabled veteran-owned law firm helping veterans obtain VA disability compensation.
Start with a conversation
You don't need the perfect question. Just a place to begin.
Credentials & disclosures
Dan Munford, NMLS #139374 · Licensed in UT, CO, OR, AR, WA & MT
Guaranteed Rate, Inc. d/b/a Rate · NMLS #2611
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or an interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Equal Housing Lender.
Savings amounts, closing credits, and program availability referenced on this page vary by applicant and scenario, are subject to credit and underwriting approval, and are not a commitment to lend.