Certified Mortgage AdvisorStrategy-led mortgage guidance
Utah mortgage strategist · 34+ years
A smarter mortgage starts with the right strategy.
I’m Dan Munford, a Certified Mortgage Advisor based in Sandy, Utah. I’ll help you understand your payment, compare your options and choose a next step that fits your life.
Have questions first? Call (801) 301-5626. Applications are completed securely through Rate.
Prefer to plan ahead? Schedule a conversation.34+ years of guidanceNMLS #139374 Certified Mortgage AdvisorUT · CO · OR · AR · WA · MT licensed markets
Advice before application.
A plan built around the full picture.
powered by
Jumbo Loan ExpertComplex and luxury financing
VA Loan ExpertMilitary home financing guidance
Reverse Mortgage CertifiedEducation for families and homeowners
Client perspective
Feel informed.
Feel heard.
Read what clients have shared about working with Dan.
Read Google reviewsBeyond the rate
A mortgage should support the life you’re building.
For more than three decades, I’ve helped people make sense of one of life’s biggest financial decisions.
My job isn’t to push a loan. It’s to teach, listen and help you weigh today’s payment against tomorrow’s goals. That means making the complicated clear—and staying in your corner long after closing.
Backed by 25 years of experienceNicole Schmitt, Licensed Sales Assistant, brings careful coordination and steady communication to the Munford Team.
“The best mortgage strategy is the one that still makes sense years from now.”
Meet the Munford Team Mortgage solutions
Strong options. Clear thinking.
Every loan begins with a different story. We’ll look beyond a program name and build around the outcome you want.
Purchase loans
Conventional, FHA, USDA and down-payment options shaped around your goals.
Learn moreJumbo financing
Thoughtful strategies for Utah luxury homes, complex income and larger loan amounts.
Learn moreVA loans
Clear guidance for eligible service members, veterans and their families.
Learn moreRefinance & equity
A numbers-first review of cash flow, debt, equity and long-term cost.
Learn moreDigital HELOC
Explore home equity financing and start your secure digital application through Rate.
Learn moreInvestor loans
DSCR, non-QM and portfolio solutions for real-estate investors.
Learn moreBuilder financing
Construction and commercial capital guidance through CFUND.
Learn moreReverse mortgages
Education-first guidance for homeowners, families and retirement planning conversations.
Learn moreFirst-time buyers
A clear roadmap for credit, down payment, buying power and a confident first purchase.
Learn more
Local perspective
One valley. One local expert.
From Salt Lake City to Sandy, Draper, South Jordan and Park City, local knowledge helps turn a loan option into a smarter decision.
Payment planner
See the complete monthly picture.
Compare principal, interest, estimated property taxes, homeowners insurance and HOA dues in one place—without treating an online estimate as an approval.
- Property-specific costs belong in the plan
- Compare several prices and down payments
- Confirm assumptions before making an offer
Illustrative monthly housing payment$3,917
Review the complete scenario Loan amount: $520,000Principal & interest: $3,287/moTaxes, insurance & HOA: $630/mo
Planning estimate only. Does not include mortgage insurance, closing costs or every factor used to determine eligibility, pricing or approval. Taxes and insurance can change.Learn before you leap
Useful answers for Utah homeowners.
Education is part of the service. Start with practical guides, calculators and local insights created to help you make a more confident decision.
Stay connected
Your home. Your next chapter.
Not planning a move right now? Sign up for my Home Report and keep your home in the conversation, wherever you are in your plans.
Sign up for my Home Report
Opens the Home Report signup page.
Dan’s ecosystem
Specialized help, connected by one standard.
Danmunford.com is the front door. When your goals call for more specialized support, these platforms take the conversation deeper.
01020304
Jumbo Loans Utah
Specialized Utah jumbo guidance for high-income professionals and luxury buyers.
CFUND
Nationwide capital solutions for builders, investors and commercial projects.
Utah Heroes
Home-financing support created for Utah military, veterans and first responders.
VYKON
Success systems and coaching for mortgage professionals ready to make an impact.
Start with a conversation
You don’t need to know the perfect question. You just need a place to begin.
Tell me what you’re trying to accomplish, and we’ll work through the possibilities together.