Contact DanApply nowStrategy-led guidance grounded in education and the complete financial picture.
About Dan Munford
Mortgage experience measured in decisions—not transactions.
For more than 34 years, Dan has helped homebuyers, homeowners, investors and builders understand the numbers, weigh the tradeoffs and choose a financing path with confidence.
The approach
Advice before application.
A mortgage is connected to the rest of your financial life. That makes the conversation bigger than a rate or program name.
Dan begins with the goal, the timing and the full financial picture. From there, he helps clients compare payment, cash-to-close, liquidity, debt, equity and long-term cost in plain English.
The objective is not simply to reach closing. It is to make a decision that still feels thoughtful after closing.
“The best mortgage strategy is the one that still makes sense years from now.”
Meet the team
Nicole Schmitt
Licensed Sales Assistant · NMLS #229468
With 25 years of mortgage experience, Nicole brings precision, steady communication and an exceptional eye for detail to every file.
Her experience navigating the moving parts of mortgage financing helps the Munford Team anticipate questions, keep details organized and give every client the attentive care their financing deserves.
Nicole.Schmitt@Rate.comProducing Partnership Branch Manager with Rate.
Licensed in Utah, Colorado, Oregon, Arkansas, Washington and Montana.
The Munford Team · Sandy, Utah
Local guidance. Broader reach.
Meet with us here in Sandy—or work with our team from wherever you call home.
9350 South 150 E, Suite 525Sandy, Utah 84070 Get directions
Start with a conversation
Bring the question. The Munford Team will help build the strategy.
Bring the goal, the timing and the questions. We’ll work through the financing paths that deserve a closer look.