• 			     “No matter what type of loan you need, we’re with you every step of the way” 


    “No matter what type of loan you need, we’re with you every step of the way” 

  • 			     “The perfect home is waiting for you, let us find you the perfect loan to go with it.” 


    “The perfect home is waiting for you, let us find you the perfect loan to go with it.” 

  • 			    Xcel Financial




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If you've been toying with the idea of buying a house but the lack of down-payment funds is holding you back, you’re in luck! We’re going to show you how you can buy a home this summer even if you don’t have a penny saved for a downpayment.

How to Buy A Home This Summer With Zero Down


Last week we told you why buying a HUD home is one of the best deals you can get. This week we want to share useful tips for purchasing a traditional foreclosed home.

What You Need To Know About Buying A Foreclosed Home


The government will often sell these below market value, but the perks don’t stop there! Check out these other benefits to buying a HUD home with an FHA loan.

HUD Homes Are One of the Best Deals Available! Here’s Why:


Read about all your home improvement financing options --from traditional home improvement loans to peer-to-peer loans to cash out refinancing --and decide which is best for you!

Most Popular Ways to Finance Home Improvements


There are some situations when an ARM home loan is the best choice! Not sure if it's the right option for you? Read the scenarios in this article. If one of them applies to you, you may be a great candidate for the low-interest rate that an ARM loan offers.

Does This Sound Like You? 4 Scenarios for Choosing an ARM Loan


You don’t have to go over your budget to win in a home buying bidding war! There are other (lesser known) tricks for competing with other buyers. Click to read more!

How to Win a Homebuying Bidding War Without Going Over Your Budget

Your Utah Mortgage Team
 Xcel Financial is committed to helping you find the right mortgage product for your needs.
We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.
We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

We offer a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide you with the most current product and programs available.

We are able to assist in the financing of the following loan Programs

  • Conventional Fixed Rate Loans 
  • Conventional Fixed Rate Loans
  • Fixed Period ARM Loans
  • Streamline Loans
  •  Jumbo Loans
  • FHA Purchase 
  •  VA Loans
  • USDA Purchase Loans

  Call us today for a FREE mortgage consultation! We are here to deliver loan proposals which fit your needs and have a commitment to quality, service, and on-time closings. 

Lender411 Mortgage Calculator

Calculates how much your principal balance will be after certain number of years of payment.