Provo, Utah, USA

A Better Mortgage... A Better Price

The mortgage industry is changing.

As a local wholesale mortgage brokerage we can offer our clients the service they want with the pricing they deserve!

Simply put, you get a better loan and

we make it easy.

Apply For Home Purchase

Apply For Refinance

Who Are We?

We are a Utah based small business.

Our founder, Ryan Frandsen, lives in Herriman, UT with his wife, four children, and of course their dog Theo. He and his family have lived in Utah their entire lives, except for a small stint in Texas, and love all that Utah has to offer.

When not talking numbers or helping clients finance their home Ryan is also a high school football coach, fly fisherman, and can always be found outdoors.

He started this company with one mission in mind and that is to help his clients get the best possible financing for their home with the least amount of hassle.

Yep that's me... but with maybe a few more greys at this point.

Modern Building Architecture

Our tools give you full control

Do your loan in your pajamas if you want... we don't judge


Our online application process is easy, straight forward, and can be completed 100% online.

Loan Options

We don't just send out you out with a pre-approval we equip you with all the information needed to make an informed decision.

Home Shopping

Work with you own realtor or one of our select realtor partners to find the perfect home for you.

Close And Move In

Since we did all the prep upfront you an sit back and relax as we prepare to close on your home.

What Can We Help You Accomplish?

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I've Found A Home And Need A Quote

Don't leave money on the table. Get a quote today and make sure you're getting the best deal.

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Get your Quote

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I'm Ready To Start Looking For a Home

Great! Let's get you pre-approved so you can shop with confidence.

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Get Pre-approved

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I'm In The

Planning Phase

Every great thing starts somewhere. We can help you put together the perfect plan.

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Start your plan



30 Year Fixed

5.316% (6.197% APR)


30 Year Fixed

5.868% (6.047% APR)

Ok... show me the rates



30 Year Fixed

5.388% (5.745% APR)

People Talking to Each Other

What Do Our Clients Think?

Shopping For A

Better Rate?

Our Quick Quote is exactly what you're

looking for.

Get an accurate quote without a full application, credit check, or any of the paperwork. We will send you a full quote and, if you like it, then we can go from there. If you don't then that's ok as well.

Take 2 Minutes And Get Your Quick Quote

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Thank You For Visiting And Getting To Know Our Company


Conventional 30 Year Fixed:

Interest rate provided includes discount points of 1.00%. On a loan of $500,000 that is $5,000. Rates presented assume an LTV of 75% or less.

FHA 30 Year Fixed:

Interest rate provided includes discount points of 1.00%. On a loan of $300,000 that is $3,000. Rates presented assume an LTV of 96.5% or less. FHA loans do require mortgage insurance of 0.55% with an LTV of 96.5%.

VA 30 Year Fixed:

Interest rate provided includes discount points of 1.00%. On a loan of $300,000 that is $3,000. Rates presented assume an LTV of 100% or less. VA loans do not require PMI. VA loans are a benefit of military service and are offered to qualifying veterans, surviving spouses, and active duty military.


Certain assumptions were made in order to calculate interest rates presented:

  • Your purchase or refinance is for a primary single family residence. Rates may vary for different occupancy or property type.
  • Credit score of 740 or above
  • You will have an escrow account to pay for property taxes and/or insurance.
  • Your debt to income ratio is within qualifying guidelines per each loan type provided.
  • 30 Day Lock Period
  • You are purchasing a home in Utah

Legal Disclaimer

We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes.

The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice.

Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors.

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws.

Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.

Privacy Policy

Customer service is very important to all of us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information. Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity. Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness. From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.