We have never had a better or more pleasant loan experience! Closing February 2, 2012

Marty, I wanted to thank you again for the great loan experience we had working with you.  Mark and I have never had a better or more pleasant loan experience!

Your communication was great, you were prompt with updates and you kept us updated every step of the way.  We really appreciated how much time you spent with us explaining the details of the loan process (it's been awhile since we have bought a home!).  We really liked that you were thorough in explaining ALL of the loan options to us.

And our letter wouldn't be complete if we didn't mention how you and Candace Mau are such a great Lender and Realtor team! We didn't realize the benefit of working with a team who works this closely together.  It was wonderful! You each watched out for us and had our best interest at heart! We definitely will refer you two when we can because of the professionalism and expertise you provide.  Thanks again!  :)


Mark and Jean Morgan
Mortgage Loan Closing-February 2, 2012

If you can't (or don't) want to sell: Remodel!

I just received the latest remodeling report from January, 2012, the National Association of Home Builders’ remodeling market index hit its highest level in five years.

It’s not that remodeling is moving into boom territory, said David Crowe, chief economist of the association, but rather that for many consumers, fixing up their house now fits their sentiments — and their finances — far better than selling or buying.

Interviews with builders and remodelers in different parts of the country point to important changes in homeowner strategies. In Seattle, Joe McKinstry, president of Joseph McKinstry Construction Co., says inquiries about possible remodeling projects have nearly tripled in the past 12 months.

“I feel like people are starting to say, ‘Well, we’re not going to move anytime soon because, if we do, we’re going to get 30 percent less than the house is worth. Why don’t we do something in the kitchen or bathroom for our own enjoyment, since we’re not going anywhere real soon?”

Needs for remodeling funds can come from a cash out refinance, coupled with lowest rates in history, to meet your needs.  Call me at 801-540-5108 and I can review your options.  :)

Every step of the way has been excellent! Closing January 24, 2012

With Marty, we have AGAIN had an excellent experience!  From the time you helped with my first purchase to the two refinances, every step of the way has been EXCELLENT!

Marty is a professional and that is why we come to him for our mortgage needs and we refer our friends and family to him!  Thanks again Marty!


Gene and Vicki Feltch
Closing January 24, 2012

Marty provided exhaustive and conclusive refinance analysis-Loan closing 9/30/11

From the first day that we called you for help with our loan refinance, we knew that Alan Whitman (who referred us to you) was right on the mark when he told me that you were the "go to guy" for help with loan analysis. You gave us exhaustive, conclusive, and very helpful analysis to help us determine which loan product would be  best for us.  

We are very hard to contact and you were consistently following up with us with phone calls, e-mails and text messages every step of the way.  We can’t thank you enough for the GREAT rate and low closing costs you were able to provide for us. It was amazing!  

Here's what we would say to our friends and family of what to expect when working with you:

• Marty is SUPER friendly :)
• Attentive
• Good at explaining details
• Has great time management skills
• Kept things quickly moving and updates with status

Brian and Charlotte Duncan 
Mortgage Loan Closing 9/30/11

HARP 2.0 update: It's going to be a great program!

January 26, 2012: UPDATE on the HARP 2.0 program: 

I have learned and was able to review several key items about the HARP 2.0 program during an excellent Webinar I attended and am listing the bullet points below. 

I will continue to update my Blog and Facebook Fan page with new information as it becomes available. 

Call me at 801-540-5108 if you have any additional questions. :)

•  Present occupancy is NOT an issue.  If the home was originally owner occupied when purchased or refinanced and now it is now non-owner occupied, this is okay with HARP 2.0.  I am still waiting for individual guidelines and risk overlays will need to be reviewed before implementation.   

•  Lender Paid Mortgage Insurance on the original loan IS allowed and the loan IS eligible for HARP 2.0 financing.  It was pointed out that there could be an extra cost (which can be added into the new loan balance) from the Mortgage Insurance Company who is reissuing mortgage insurance on the new loan. 

•  If the home is presently for sale, there is NO restriction and the home can still be refinanced with the HARP 2.0 loan (FAQ #14, Fannie Mae website).  Investor Guidelines to be reviewed when received. 

•  When is the loan available? Correspondent Lenders (Primary Residential Mortgage) will receive the updated guidelines and Fannie Mae Automated Underwriting System somewhere between March 17, 2012 and the end of March.

• Who the loan needs to be placed with: New loans do NOT need to be placed with the original servicing lender. 

I look forward to helping you with your mortgage questions and needs.  :)

From the beginning of the process we felt comfortable-Closing 12/14/11

This is now the 2^nd and 3^rd loan you have helped us with and each time you and your staff have made us feel comfortable from the beginning of the process. 

As we have mentioned to you before, thank you to you and your staff for making the mortgage loan process smooth and enjoyable!

Pat and Clara Lynch

December 14, 2011 closing

I needed someone who would be persistent and patient, and you were both. Closing 12/20/11

We came to you in 1993 for help with our first home purchase and even when I lost my job in the middle of the loan process, you worked with us until we found a way to get the loan closed.  It was amazing and we have always been grateful for what you did for us.  

You have kept in touch with me over the years and when it was time to refinance, you contacted me with options.  Your help is priceless because I needed someone who would be persistent and patient and you were both.  

We will refer you to our friends and family who want mortgage help that will meet their highest expectations.  You always help us perfectly.  Thank you!

Kirt Gaisford

Loan Closing December 20, 2011

We knew what to expect and there were no surprises! Closing December 28, 2011

Marty, just a quick note to again thank you for helping us with our mortgage needs!  You were helpful and informative and as a first time home buyer, there was a lot to understand.

You not only explained, but re-explained the details of the loan and what we were to expect so that there were no surprises!  Because of your patience and communication during the loan process, we were totally confident that our loan was in good hands.  Your processing team was great to work with!

We thank you again for helping us to get into our first home and we will not hesitate to refer you to our friends and family!  :)

David and Kristin Sanders

Loan Closing December 28, 2011

VA loan limits for 2012

VA loan limits in Utah: 2010 limits in BLACK, 2011 limits in RED, 2012 limits in GREEN

Davis County $423,750 $417,000 $417,000
Morgan 423,750 417,000  $417,000
Salt Lake 652,500 516,250  $594,550
Summit 652,500 516,250  $594,550
Tooele 652,500 516,250  $594,550
Weber 423,750 417,000 $417,000

The loan process went just like clockwork! Closing on August 26, 2011

I had such a great loan experience with Marty!  He did everything so perfectly in every way!  My closing time frame was really tight and he and his staff rushed my processing and closing faster than I thought was possible.  As a first time home buyer, by friends told me horror stories, but I never experienced anything they warned me about.  The loan process went just like clockwork! 

Processing had so much patience, I know, because I called and e-mailed every day to get a status update!  lol! Thank you Kelsi! 

I made the best decision to go with Marty and Primary Residential Mortgage!  Thank you Marty!!!

Britney Breitweiser
Loan Closing August 26, 2011

Personal note from Marty:  Britney knows how to have fun!  We had a party at closing (lead by Britney of course!).  During the party (closing) she counted how many times she signed her name at closing.  In this picture-gram we are forming the numbers of the total times she signed!  Love you Britney!

"I signed my name 37 times!"

The loan process has truly been painless-Closing December 20, 2011

Marty, thanks for your help in a great experience again!!  You and Rachel at Inwest Title have been and continue to be the best!!  

The loan process has truly been painless, not arduous, and as simple as we could have imagined.  We have had confidence in the advice you have given us from the moment we met you.  Your advice and guidance has always been spot on.  Thank you for the great work you do.
Pat and Clara Lynch
Loan Closing December 14, 2011