• 			     “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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Here's what you need to know about buying an existing home versus building a custom home.

Buying Versus Building a Home: Which Is Cheaper?


There’s quite a bit of misunderstanding about homeowner’s insurance and how much protection it offers you, the homeowner. Depending on the type of loan you have, whether conventional or government funded, you’ll be required to insure your home in case of a disaster.

"What Does My Homeowner's Insurance Actually Cover?"


A rent-to-own contract usually has two parts to the agreement: a standard lease agreement as well as a separate document that outlines your option to buy. Both documents may be incorporated into one document or they exist as two separate ones.

What You Must Know About "Rent-To-Own" Homes


Instead of simply moving to a lower-priced neighborhood, many are choosing, instead, a secondary Boomtown --a town that is up and coming but whose cost of housing is still relatively low.

Housing Market is Hot in the New Boomtowns


Home values change pretty quickly, which makes it tricky to get an accurate home value estimate without a professional. Whether you're thinking about selling in the future or just curious, there are ways to find out the value of your home in a less official manner.

Five Quick Ways to Estimate Your Home's Value


As exciting and welcoming as the new career may seem, as a homeowner, you might start to wonder whether it’s the right choice or whether it’s worth it. Our office often hears from others in situations just like this --weighing their options for selling their home and relocating for a new job. Here are some things to think about before you decide for or against relocating for work.

Homeowners --Should You Relocate For A New Job?

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.