Business Details
Your Trusted Mortgage Broker in Salt Lake City, Utah
Joe Libin Latitude Lending has been dedicated to simplifying the mortgage process for clients since our founding. Our team of experts specializes in residential mortgage lending across Utah, offering personalized guidance through every step of the home financing journey. With decades of combined experience, we focus on federal loan programs, conventional mortgages, and tailored solutions for first-time buyers, experienced landlords, and everyone in between.Our reputation is built on integrity, transparency, and a commitment to securing the lowest rates and fees for our clients. We pride ourselves on completing most loans within 3-4 weeks while maintaining a relationship-driven approach that prioritizes long-term client satisfaction over transactional interactions.
Services
FHA Loans
VA Loans
Conventional Loans
Jumbo Loans
Fixed-Rate Mortgages
Adjustable Rate Mortgages
Utah Housing Loans
Construction Loans
USDA Loans
Refinance Services
Highlights and features
- 20+ years of mortgage lending experience with $48M in originated loans
- Specialize in Utah-specific housing programs and local market nuances
- Complete most loans within 3-4 weeks with transparent fee structures
- Direct relationships with Fannie Mae, Freddie Mac, and USDA investors
- Personalized service from NMLS-certified professionals prioritizing client needs
Associations and certifications
- NMLS #231319
What people say
Knowledgeable and eager to help
Saved me thousands
Great gentleman
Made process easy
Highly recommend
Services
FHA Loans
Federal Housing Administration loans provide low-down-payment options for qualified buyers. These mortgages require mortgage insurance but offer flexible credit requirements. Our team specializes in helping first-time homebuyers and those with moderate credit histories access this program through personalized guidance and documentation support.
VA Loans
Department of Veterans Affairs guaranteed loans offer competitive rates and zero down payment options for eligible service members and veterans. We assist with certificate of eligibility processing and streamline the application through our established military lending expertise while ensuring compliance with VA-specific property requirements.
Conventional Loans
Private-sector mortgages with conforming and jumbo loan options for primary residences, investment properties, and second homes. Our specialists help clients navigate down payment requirements, private mortgage insurance thresholds, and credit score benchmarks to secure optimal terms through our direct investor relationships.
Construction Loans
Specialized financing for custom home building projects with phased disbursement structures. We coordinate with contractors and title companies to manage construction timelines while providing clear guidelines for permanent financing conversion upon project completion through our dedicated construction loan underwriting process.
USDA Loans
U.S. Department of Agriculture guaranteed loans provide zero-down-payment options for properties in eligible rural areas. Our team verifies geographic eligibility, processes income documentation, and guides clients through the unique USDA property condition requirements to facilitate successful transactions in qualified markets.
People
Joe Libin
Mortgage Specialist
NMLS-certified mortgage professional with 20+ years of Utah market experience. Former top producer at national lenders, now focused on personalized service. Holds economics degree from Pepperdine University and maintains active industry education.
Questions
What types of mortgage loans do you offer?
We provide FHA, VA, conventional, jumbo, fixed-rate, adjustable-rate, Utah Housing, construction, and USDA loans tailored to individual financial situations.
How long does the mortgage process take?
Most loans close within 3-4 weeks through our streamlined process while maintaining thorough documentation and compliance standards.
Can you help with mortgage refinancing?
Yes, we specialize in refinancing options including rate-and-term and cash-out refinances to help clients achieve better financial positions.
Are there additional fees beyond standard closing costs?
We maintain transparent pricing with no extra processing fees beyond standard lender and title company charges.
Do you work with out-of-state buyers?
While we only service Utah properties, we assist clients relocating from other states with local market expertise and financing guidance.
What makes your mortgage service different?
Our combination of NMLS-certified expertise, 20+ years of experience, and relationship-focused approach creates stress-free transactions with competitive rates.
