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Let's obtain a loan approval!

If it’s time for a new home loan, we will provide you with a solid approval. Sellers will know your offer is good, so you’ll have an edge in the bidding war.

Your Information is Secure | No Hassles | No Obligations

What Can I Afford?

Fast - Easy - Enjoyable

Let’s talk on the phone, or meet in person. Give me a call or text my # 801-548-2627 or submit your information online. And I will give you a call for a phone consultation or book an appointment.

Online and Streamlined

With a simplified digital process, getting a loan with us has never been easier.

Fast

Complete your refinance application easily from any device.

Guided

In-application cues and tools help you navigate each step of the process.

Simple

Verify your income and assets online, or upload any necessary documents.

Supported

Need an extra hand? Call us for live help with your application.

Ready to take the next step?

What's Your Goal?

It can really pay to refinance. See what a refinance could do for you. Refinancing could help you achieve a range of short- and long-term goals. And with an online application process that’s streamlined and convenient, we’ve made it simple to get started.

We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.

Here's how it works.

When you are ready to purchase, we’re ready too – apply online 24 hours a day, 7 days a week.

You’re Approved! Now is the time to find your home. You will have an expert mortgage broker available to answer all your questions. Need help? Call or text Jeff 801-548-2627

1. Apply Online

You’re Approved! Now is the time to find your home. You will have an expert mortgage broker available to answer all your questions. Need help? Call or text Jeff 801-548-2627

2. Upload Necessary Documents

These documents will be necessary to approve your mortgage application. And will help your mortgage application go as quickly and smoothly as possible.

3. Close Your Loan

Loan Purposes

Is the primary reason a borrower is requesting a loan.

Loan Programs

We’ve simplified the process to give you a hassle-free experience with your mortgage.

Learning & Resources

The dream of owning your own home or refinancing can become a reality (with a little effort on your part).

Home Loans Made Simple!

Jeffrey Carlston

Mortgage Broker NMLS#315077

Direct (801) 548-2627

jeff@lendhomeloans.com

lendhomeloans.com

Augusta Lending LLC NMLS#352774

Mortgage Application

If you have any questions about completing our online mortgage application.

Call or text 801-548-2627

Documents

We need the following basic documents. Last 2 months pay stubs and bank statements, last two years W2’s, photo ID, & social security card.

My Story

Utah is a wonderful state to work in real estate as a mortgage broker and to get to know many clients and Realtors. Jeff started his career as a mortgage broker in 2001 in Salt Lake City, Utah and has assisted many clients to refinance and purchase a home. Over the years through his customer service and financing solutions he has been able to maintain his career working by referral.

Jeff enjoys his career in the real estate industry working with Realtors and assisting their clients to purchase a home. As an entrepreneur he grows his real estate career through hard work, dedication, and regular communication with clients and Realtor business partnerships.

Tetimonials

My wife and I recently bought a home and used Jeff as our broker. As first-time home buyers, we were a little overwhelmed by all the lender options out there, along with the home-buying process itself. Jeff was extremely knowledgeable, patient and flexible, and he carefully guided us through the process end-to-end. The thing that impressed us the most was the speed at which he kept things moving. Jeff has incredible communication skills. He's quick and prompt and always returned all of our calls, texts and questions within the hour. He made himself available, he checked in frequently, he kept the ball moving. As a broker, he also had the flexibility to shop around for the best interest rate to fit our budget needs (the rate he got us was unbelievably awesome!). He was sensitive to our constraints and made the whole process feel effortless. I will absolutely be using Jeff again in the future (I've already recommended him to my mom who's also working with him) and would strongly urge anyone out there to do the same. You won't regret it.

As someone quite ignorant of real estate and the complexity of buying a home, I appreciated Jeff's patience in working with us each step of the way. Ultimately, we were able to close on the house at an even better interest rate than we figured at the start, which I attribute to Jeff's help and expertise. There were times I had difficulty in understanding Jeff's technical explanations and guiding advice, but as I have not worked with other lenders/realtors this may well be just how things are when you're buying a home (and is certainly more of a reflection on my ignorance on the subject than on Jeff's know-how). Quite relieved to be done!

I FOUND JEFF ONLINE AND AM SO VERY GLAD I DID, WORKING WITH JEFF MADE THE MORTGAGE SO SIMPLE IT WAS ALMOST TO EASY..... THANKS JEFF YOULL BE THE ONE IF SHOULD EVER NEED A MORTGAGE AGAIN

Reviews

Our mission is great customer service and to meet your expectations!

 5/5

4.8 out of 5

Average Customer Satisfaction Rating

Do you have any Questions?

(801) 548-2627

What Can I Afford?

Frequently Asked Questions

How do loan-to-value (LTV) limits work?

Your loan-to-value, or LTV, represents the amount of money borrowed as a percentage of a home’s value. You can find your LTV by dividing your current loan balance by your home’s value. For example, if you have a remaining balance of $160,000 on a first mortgage for a property with an appraised value of $200,000, the LTV is 80% ($160,000 / $200,000 = 80%)

Lenders use LTV to determine your eligibility for a refinance, and how much you can borrow. An ideal number is 80% or less to avoid mortgage insurance. Even if your LTV is higher, refinancing still may make sense if you can lower your rate.

What's a cash-out refinance mortgage?

With a cash-out refinance, your existing mortgage is replaced with a new mortgage for more than you owe on the house—so you get the difference back in a lump sum after closing. In order to take advantage of a cash-out refinance, you’ll need to have built some equity in your home.

How long does the refinance process take?

The process time will depend on your situation. The refinance process is different than the home purchase process, and since there’s no seller to negotiate with as you refinance your home, you can expect a relatively streamlined experience.

Will I need an appraisal?

An appraisal of your home can be an important part of ensuring you get the most value out of your refinance, but it’s not always necessary. Depending on the type of loan and amount you’re borrowing, your credit score, and your loan-to-value ratio, an appraisal may not be required.

What's the difference between the interest rate and APR?

A mortgage’s interest rate represents the cost, expressed as a percentage, you’ll pay each year to borrow the principal amount of your home loan. The annual percentage rate, or APR, consists of your interest rate plus other costs—like costs for points, mortgage broker fees and other charges. That’s why the APR is usually higher than the interest rate.

Will I have to pay closing costs?

Your refinance will come with closing costs, but that doesn’t necessarily mean you’ll have to pay them out of pocket. You may have the option to roll closing costs into your loan. On a purchase there is an option for the seller to pay closing costs “seller concessions”.