Business Details
37 Years
experience
Your Trusted Mortgage Partner in Utah and Arizona
Founded in 1989, Associated Mortgage has built a reputation as a trusted mortgage brokerage serving Utah and Arizona. Our approach centers on personalized solutions, combining over three decades of industry expertise with a commitment to client education. We specialize in guiding first-time homebuyers and seasoned investors through residential mortgage processes, offering tailored loan programs that adapt to evolving financial landscapes. With a team boasting 100+ combined years of experience, we maintain direct relationships with lenders to secure competitive rates while prioritizing transparent communication.Our Better Business Bureau A+ rating reflects our dedication to ethical practices, and our 'No Cost Mortgage' program demonstrates our innovative approach to reducing client financial burdens. As a locally rooted yet regionally licensed entity, we combine community understanding with statewide market knowledge to deliver mortgage solutions that align with both immediate needs and long-term homeownership goals.
Services
Mortgage Pre-Approval
Loan Application
Rate Watch
Home Valuation
Credit Consulting
Investment Property Loans
VA Loans
FHA Loans
Refinance Options
No Closing Cost Programs
Details
- Year established: 1989
Highlights and features
- We offer 30+ years of mortgage industry experience with 100+ combined team expertise
- Our personalized loan solutions adapt to unique financial situations and goals
- A+ rating from the Better Business Bureau demonstrates our commitment to ethical practices
- We provide exclusive 'No Cost Mortgage' programs to reduce upfront expenses
- Our local market expertise covers both Utah and Arizona residential real estate trends
Associations and certifications
- National Mortgage Licensing System (NMLS)
- Better Business Bureau (BBB)
What people say
Stress-free process
Best rate possible
Friendly and responsive staff
Quick closing timelines
Expert guidance
Services
Mortgage Pre-Approval
Our pre-approval process verifies your financial standing to establish clear budget parameters. This service provides immediate insight into loan options while strengthening your position as a serious buyer in competitive markets.
VA Loans
Specialized mortgage programs for veterans and active military personnel offer favorable terms including zero down payment options. Our team guides service members through benefit utilization while maintaining competitive rate structures.
FHA Loans
Designed for buyers with lower credit scores or limited savings, these loans require minimal down payments. We help clients meet qualification criteria while explaining long-term financial implications of FHA program requirements.
Refinance Options
We analyze current mortgage terms against market conditions to identify savings opportunities. Our services include rate-and-term refinancing, cash-out options, and strategic planning for multiple refinancing cycles.
Investment Property Loans
Our investment loan programs accommodate various property types and income verification methods. We provide cash flow analysis tools and portfolio management strategies to maximize returns for real estate investors.
People
Arni Swenson
Licensed Mortgage Broker
With 30+ years in the mortgage industry, Arni specializes in complex loan scenarios and has helped thousands achieve homeownership. His expertise spans conventional and government-backed programs across Utah and Arizona markets.
Cameron Jones
Senior Loan Officer
A top-performing loan officer with a decade of experience, Cameron focuses on personalized client education and efficient transaction management. He maintains specialized knowledge of first-time buyer programs and investment property financing.
Eric Poulson
Mortgage Consultant
Recognized for exceptional client retention, Eric provides strategic mortgage planning across multiple economic cycles. His strengths include credit rehabilitation guidance and customized loan structuring for unique financial situations.
Andrew Davenport
Loan Production Manager
Specializing in rapid loan closings, Andrew streamlines the mortgage process through proactive documentation management. His expertise in underwriting requirements reduces processing delays for time-sensitive transactions.
Jon Anderson
Client Relations Director
With 15 years in mortgage services, Jon focuses on post-closing support and long-term client relationships. He coordinates follow-up consultations to optimize mortgage strategies as clients' financial situations evolve.
Questions
What mortgage pre-approval process steps should I expect?
Our streamlined pre-approval requires income verification, credit check, and financial documentation review. We provide immediate guidance on loan options and budget parameters.
What loan programs do you offer for first-time homebuyers?
We offer FHA loans with low down payments, conventional loans with 5% down options, and specialized programs with competitive rates for first-time buyers.
How do current mortgage rates affect refinancing decisions?
Our rate watch service tracks market trends to identify optimal refinancing opportunities based on your specific financial situation and equity position.
What documentation is needed for self-employed applicants?
Bank statement loans require 12-24 months of business account statements and tax returns to verify income stability for self-employed applicants.
How does your 'No Cost Mortgage' program work?
This program allows lenders to cover closing costs in exchange for a slightly higher interest rate, reducing upfront expenses while maintaining competitive loan terms.
What areas do you service beyond Utah?
While headquartered in Utah, we're licensed to provide mortgage services across Arizona, offering localized expertise in both states' real estate markets.
