Let our online mortgage brokers guide you home.
Save thousands with a home loan at interest rates you can't beat, and a broker who shops the market on your behalf.
- Competitive rates
- Flexible terms
- Peace of mind, guaranteed
Buying your first home?
3% down on conventional loans, 3.5% with FHA
We line up down payment assistance, credit prep and pre-approval for first-time buyers, so you know your payment and cash to close before you make an offer.
See first-time buyer optionsRun the numbers before you call anyone
See a ballpark monthly payment in seconds, or ask us for a no-obligation estimate of what your home is worth.
Need help qualifying? Talk it through with a loan officer.
From improving your credit score to gathering documents, our specialists help you get to a yes. No call center, no hand-offs.
Mortgage brokers who work for you, not the bank
We're a Utah mortgage broker led by specialists with decades in real estate finance. We shop lenders on your behalf to match you with fair terms, a strong rate and a payment you're comfortable with.
- 50+
- years of combined experience
- 6
- states licensed
- 1
- goal: fair terms at a great rate
From first call to closing in four steps
A clear process with one point of contact the whole way through.
- STEP 01
Connect with us
Tell us about your finances and the home you have in mind in a short consultation.
Contact us - STEP 02
Weigh your options
We shop lenders, lay out your quotes side by side and tell you which one we'd pick.
See loan options - STEP 03
Apply online
Your broker works through the application with you remotely, so it's right the first time.
Start application - STEP 04
Get approved and close
Once you're approved, we guide you through appraisal, final terms and a smooth closing.
See if you qualify
Have a construction project?
See our construction loan calculator and pricing options for one-time and two-time close loans.
Explore construction loansOur mission is to use our years of experience and knowledge to meet your personal needs, matching you with the right mortgage with lower fees and great rates.
What our borrowers say
Brodie was great to work with! I have worked with him multiple times and each time he is very professional and personable. He is very knowledgeable and works hard to get us the best rates possible.
I have worked with Brodie on Numerous transactions over the years. He is alway a pleasure to work with. He is honest, knowledgeable, and does a fantastic job!
Working with Summit Lending and Brodie was a better experience than I could have asked for! I highly recommend them if you are looking for a professional, knowledgeable, and helpful experience with your home loan.
I’ve never had anyone work so hard to make a loan happen. I highly recommend Brodie and will use him again for our loan needs!
Why borrowers choose us for their mortgage
Personalized service
Our Utah-based team takes time to understand your situation and find the home loan that fits it, not the one that's easiest to sell.
Transparency
We walk you through rates, fees and terms in plain language, so you sign knowing exactly what you're getting.
Experience
Five decades of combined mortgage experience means fewer surprises and a broker who has seen your scenario before.
Questions borrowers ask us
Straight answers to the questions we hear most. Don't see yours? Ask us directly.
Your ideal loan depends on several factors like your financial situation, long term goals, and risk tolerance. Fixed rate mortgages offer stability, while adjustable rate loans may save you money initially. Government-backed options can be great for those with lower credit scores. At Summit Lending, we’ll guide you through the options to find a perfect fit.
Rates, programs and local market notes
Plain-language analysis from our loan officers on what's moving rates and the assistance programs in our states.
Buying in Tucson at 7.32%: The $370,000 Payment, Pima County's 4% Help, and the Phoenix Gap (Oct 2026)
Freddie Mac's average dipped to 7.32% on Oct. 22, and Realtor.com says Tucson and Phoenix are tilting toward buyers. Here is the full monthly cost of the $370,000 Tucson median on FHA, conventional, and VA loans, what each tier of Pima County's forgivable down payment help costs in rate, why the Edge option often wins, and the real gap with Phoenix.
Local mortgage services in our states
Rates, programs and calculators for the states and counties we serve.
