Draper Utah Mortgage Broker

We crush banks and credit unions! See our lowest rate guarantee

Get up to 1% of your purchase price to cover your closing costs by using one of our preferred real estate agents

Borrow up to 97% LTV with no monthly MI/PMI

We give back by donating $50-100 to children’s charities for every closed loan.

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We just wanted to say thank you so much for making our refinance so quick and painless. We've been through good and bad experiences with mortgage loans before and this was by far the BEST experience we have ever had. You were so on top of things and our loan went through much quicker than we expected. You were always available to answer our questions and made sure that everything went so smoothly. If we ever need to do another loan again, or know anyone looking for mortgage loans, we know right where to go! - Sandi and Josh

BEST REFINANCE RATES AS LOW AS:

CONV 30-YR

2.375%

2.482% APR

CONV 15-YR

1.99%

2.14% APR

NO-COST CONV 30-YR

2.75%

2.704% APR

NO-COST CONV 15-YR

2.25%

2.202% APR

Get Your Best Rate Custom Quote

Since your exact scenario is certainly different than the generic scenario we use to quote the rates and APRs above, please click on "Free Custom Quote" above to put us to work for you. We'll independently shop the 12 premier mortgage lenders in the country to find your best, rock-bottom deal dialed in using your unique variables: credit score, LTV (loan-to-value), loan term and type, loan amount, and loan purpose: purchase, rate & term refinance, cash out refinance, or debt consolidation refinance. We don't run your credit! Just give us the basics of your and we'll provide a quote that's customized to you. We can show you all the options available: NO-COST Loans, par/market rates, and buy-down rates. It's 100% free and there are no strings attached. We'll email your custom quote so you can decide which option is right for you. Let us do all the shopping for you! We guarantee you'll like what you see! Nobody does what LendRight does. It's mortgage lending the way it should be. No smoke and mirrors. Complete honesty. Total transparency. The 12 premier wholesale mortgage lenders independently shopped on your behalf. All backed with our LENDRIGHT MORTGAGE $1,000 LOWEST RATE GUARANTEE. It's mortgage lending done right!.

NO-COST LOANS

NO-COST LOANS: We do No-Cost loans all the time. That's why we've listed our generic No-Cost rates above. Our No-Cost loan rates are often the same, or lower, than the rates that other lenders will charge you thousands for. No-Cost loans are a great way to refinance and have your savings start day one, since there's no time required to recoup closing costs. If you'll be in the home for less than three years, this is the best loan choice. By choosing a slightly higher rate, the lender gives you a credit/rebate to cover your closing costs. Please contact us for a custom quote on a NO-COST loan dialed in to your exact scenario's characteristics. Your actual rate and APR may be higher or lower than the generic No-Cost rates listed above.

Closing Costs: Our closing costs are much lower than nearly every lender out there because LendRight doesn't charge the junk fees most other lenders charge that cost you hundreds, often thousands, more. Zero junk fees. It's lending done right! Your closing costs will differ based on the rate you choose, lender, and title company you choose. Prepaid items for homeowner’s insurance, property taxes, and prepaid interest are additional items collected at closing. Other than the appraisal and credit report fee, closing costs and prepaid items can be rolled into the loan on a refinance.

Quoted Rates & APRs: The lowest rates quoted above are "Best Case" scenarios with discount points required. Rates above assume the following: $300,000 loan, 40% down payment/equity, 760+ credit score, on a Utah single-family residence used as a primary residence. Rates can change multiple times a day and are subject to change without notice until you lock your rate. Your actual rate and APR will be unique to your exact scenario's characteristics: loan size, loan term, credit score—which affects the rate and any applicable mortgage insurance, the loan-to-value (LTV), transaction type (purchase rates & APRs are lower than refinance rates & APRs), and what rate you choose and whether it has discount points, is a par/market rate, or has credits/rebates.

Arrange Your Free Consultation

$1,000 Lowest Rate & Fees Guarantee

If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance—we’ll send you a $1,000 check. LendRight Mortgage stands unafraid to offer our LendRight $1,000 Lowest Rate & Fees Guarantee. We’ve done our homework and shop the competition regularly. As independent Utah mortgage brokers, we shop our premier network of wholesale lenders to find you the absolute lowest combination of rate and fees. In addition, we also simply make less on every loan. What we lose in margin on each deal, we make up for in volume. We have a unique, low-cost business model that other lenders simply can't compete with. These are the reasons we have such rock-bottom rates and why we confidently offer our $1,000 Lowest Rate & Fees Guarantee. Other banks, credit unions, and mortgage companies will not guarantee they have the lowest rates and fees, simply because they don’t have the lowest rates and fees--and they know it.

Terms & Conditions

If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance—we’ll send you a $1,000 check.

Here are the conditions you must meet to ensure you’re getting a true apples-to-apples comparison, and everyone is playing on the same honest, transparent playing field:

1. Quote: Provide us an official, detailed, written competitor’s quote. Quote detail must show: lender’s name, date of the quote, loan type, term, purchase price, loan amount, interest rate, monthly mortgage insurance amount (if applicable), exact amounts for all lender fees, discount points, lender credits, and exact amounts for all third-party charges for appraisal, credit report, and title company fees. You must provide us with the quote the day they give it to you, and then obtain a written quote from us on that same day, and allow us to go over the quotes with you on the phone. Interest rates change every day, sometimes multiple times a day when the market is volatile. That is why you can't compare a quote you got today from one lender to the quote you got on a different day from another lender. Pricing changes can be very substantial from day to day, making a quote today appear to be much better or worse, than a quote from previous day. ALWAYS compare quotes on the exact same day, or you won't get a true and fair apples-to-apples comparison.

2. Rate Lock: Inform us you’re going with the other lender and lock your rate the same day you get the written quotes from both LendRight Mortgage and your chosen lender. Within 24 hours of locking your rate, you must email us a complete (all pages), unaltered copy of your official locked rate LE (loan estimate) provided by that lender. The locked LE must match the fees sheet or preliminary loan estimate you provided us with the day before. It must state the lender’s name, date, the interest rate, APR, the loan type, term, exact amount of any mortgage insurance, the lock length, and any applicable points/cost or rebate/credit for the chosen interest rate.

3. Closing: Within 24 hours of closing your loan, provide us your complete (all pages), unaltered final, signed CD (closing disclosure) and the "NOTE" from your closing documents. Closing documents must exactly match the original written quote AND locked loan estimate they provided you, and that you gave to us. This will confirm they actually delivered exactly what they quoted, and it indeed was a lower combination of interest rate, fees, and monthly mortgage insurance (if applicable).

If the original detailed quote, your official locked loan estimate, and your final, signed closing disclosure and note all match, showing the exact same combination of interest rate, fees, and monthly mortgage insurance on each; and you've met the above terms and requirements, we’ll send you a check for $1,000. There are a lot of smoke and mirrors tactics employed by lenders who cannot deliver you the lowest combination of rate and fees. We treat every single client with absolute honesty and transparency. By independently shopping the nation's premier lenders, using our volume discounts as a broker, and making less on each loan; LendRight Mortgage delivers tremendous savings to our clients. It's mortgage lending done right!

Restrictions

$1,000 lowest rate guarantee not offered on all loan types and is limited to fixed-rate conventional, FHA, and VA loans. Guarantee is only offered on identical matching loan types and products offered by LendRight Mortgage with loan amounts of $200,000 or higher.

I just bought my first home and knew little about the process of getting a home loan. Rod was so helpful, knowledgeable and patient. He got me the best rate available and helped me understand the process. I highly recommend Rod to anyone looking at a home loan!
Ruth Bradford
My family refinanced with Rodney Rex, with the 801approve Team. He was honest, knowledgeable, and professional. He got us a great rate, lowered our house payment, and was able to do it in a very timely manner. We definitely recommend Rodney, and will use his services in the future for any other mortgage needs.
Kelli Pereira
We've refinanced a couple times over the last few years. Our refi with Rod was probably the smoothest process we've been through. Thanks Rod
Shane Nebeker
We just wanted to say thank you so much for making our refinance so quick and painless. We've been through good and bad experiences with mortgage loans before and this was by far the BEST experience we have ever had. You were so on top of things and our loan went through much quicker than we expected. You were always available to answer our questions and made sure that everything went so smoothly.

If we ever need to do another loan again or know anyone looking for mortgage loans, we know right where to go!
Sandi & Josh
Rodney Rex was very helpful during my re-finance. He helped to answer questions that I had and made the process go smoothly. He knows this business and has been willing to answer further questions!
Ashley Huefner
Rodney helped me with my refinance a few years ago. He was very knowledgable and made what I thought was going to be a stressful and overwhelming experience seem easy. It was great working with someone I knew I could trust!
Heidi Hunt Olsen
Rod made it super easy for me during my refinance. I felt safe that he was doing what was needed, I didn't have to worry about a thing. It was such a good experience, I recommend him!
Angie Marie
Rodney helped me refinance my home and was amazing to work with! This guy knows the industry very well and took the time to make sure I was happy as we went along the process. I highly recommend him!
Christina Mattson Bingham
I was able to work with Rodney Rex in a home refinance a while back and he was excellent to work with through the process. He explained things well to me and made sure I was kept in the loop the whole time. I had a great experience!
Chad Mortenson
This was my second refi with Rodney and it went as good as the last. Fast and easy to work with. He will let you know if it is a good move to make or not. Thanks for all the help Rodney.
Erik Smith
Rodney Rex helped us get into our first home, a short sale. Rodney was amazing. He was knowledgable and was able to answer all of our questions and prepare us for possible scenarios. Everything went smoothly. He was always prepared and knew exactly what the bank would need. I would recommend Rodney to anyone looking to buy a home.
Cindy Pugmire
If you want the best possible home purchase experience, Rodney and the 801-approve team will ensure you get a honest deal, best rate possible. He will go to work for you! He is knowledgeable, professional, and a great guy to work with.
Nate Pugmire
I refinanced with Rod and he made it so easy. He told me exactly what I needed and coordinated everything. I had streamlined before with a different company and this time around, I had a much better experience. I would highly recommend Rod and his team.
Ali Nelson
Rod was extremely helpful in getting my wife and I into our first home. He answered all of our questions and made sure we got the best deal possible. I would highly recommend the 801-Approve team to anyone that is looking at buying a house.
Blake Pugmire
Rod was excellent to work with and made the process of refinancing very simple!
Eric Judd
I just bought my first home and knew little about the process of getting a home loan. Rod was so helpful, knowledgeable and patient. He got me the best rate available and helped me understand the process. I highly recommend Rod to anyone looking at a home loan!
R. Abidford