Step 1 Discovery

Before we prescribe a mortgage strategy, we inquire about your goals and current financial fingerprint.

Rethink What Makes a “Great” Mortgage

Many buyers assume the best mortgage is the one with the lowest rate and the largest down payment.

Here’s the truth:

Your interest rate plays a much smaller role in your long-term financial freedom than you might think.

The right mortgage isn’t just about a rate—it’s about strategy. The best loan is the one that minimizes your total cost while maximizing your ability to build wealth over time.

That’s why we start with a Discovery Consultation—a personalized conversation where we get to know you, your finances, and your goals.

In this initial meeting, we’ll ask questions like:

Will you have enough liquid savings after your down payment and closing costs to protect you in case of a temporary loss of job or to cover an unexpected expenses?
Are you actively contributing to your retirement account, HSA, 529 college savings account, and generally on track with your retirement plan?
What high-payment or high interest debts do you have besides your mortgage?
At what age do you want to be mortgage-free?
What other financial goals do you have beyond the purchase of this home and your eventual retirement?
Do you need help with financial literacy and building a financial-freedom plan?

Step 1 Discovery

Rethink What Makes a “Great” Mortgage

Understanding your financial situation and long-term goals is the key to designing a loan strategy that accelerates your home buying journey and helps you build lasting wealth.

Your Salt Lake City Mortgage Lender

Step 1 Discovery

Rethink What Makes a “Great” Mortgage

Understanding your financial situation and long-term goals is the key to designing a loan strategy that accelerates your home buying journey and helps you build lasting wealth.

Your Salt Lake City Mortgage Lender

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