Let’s Take The First Step Together!

EDUCATE

Understand your loan options.
 

INFORM

Clear communication.
 

ASSURE

A proven system for smooth closings.

801-327-9363

Are You Ready to Own?

“My Goal is to Educate You on The Best Loan For Your Short-Term & Long-Term Financial Goals”

 

If you are simply “rate shopping” for the lowest interest rate, this is not the place for you! BUT, if you want to know how to structure your mortgage loan with the best rate and best cost approach, then you have found yourself a great mortgage partner. The lowest rate is not always the best approach because often this means higher fees. The right combination can save you thousands over your loan term.
At Veritas Funding we educate our clients on the mortgage process, we get you to closing and we inform you about the options you have throughout the process. We are not going to promise you the moon and not deliver. We walk each of our clients through the process and help them get the mortgage that gets them into their dream home.
Our goal is to meet all your mortgage expectations and to keep assisting you after the closing.
If this way of learning and working is what you are looking for, give us a call and read through the rest of our website.
We look at your entire financial picture and give you our recommendation. Your situation is unique and your mortgage recommendation should be unique as well. We then help you choose the best path for you, not the best path for us.
We don’t stop when your mortgage is complete, we continue working on your overall financial plan. If you don’t have a financial plan we will help you develop one, and then help you make it work.
We guarantee all your mortgage costs up front. We don’t play games and we don’t teach fluff!

We Value:

KNOWLEDGE TRUST PROFESSIONALISM COMMUNICATION

How I Can Help You

The home buying process has changed over the past several years from a mortgage prospective. It is still easy to finance a new home or refinance an exciting home, but the paper work involved is a little more complex. For this reason, I believe the home buying process starts with a consultation. This meeting is conducted over the phone or in person depending on your schedule. In this appointment, we will discuss all the details about the loan process, collect all the required documentation and map out a game plan to ensure a smooth and stress-free mortgage experience. This is also the time that I can answer any questions or concern you may have about purchasing a home.
Once I have your financial documents the mortgage process start with me analyzing the three most important factors in the mortgage approval process. I refer to them as the 3 pillars of the qualification. They are credit, income, and debt. These 3 items help me determine your approvability and loan program options. My company has a wide range of mortgage programs and it is my job to find the loan that fits your unique situation. I tend to focus more on my clients comfort level when it comes to a monthly payment. I like this method more than looking at the preferred purchase price of a home. I believe by focusing on the monthly payment we can narrow down the purchase price easier. Once we establish your monthly payment goal we will start the loan approval.

Let’s discuss the following needs and concerns

 

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Consolidating credit card and other high-interest revolving loans.

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A rising payment due to an ARM loan resetting.

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Using home equity to fund an important purchase.

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Consolidating your first and second mortgages to lower your overall payment.

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Primary residence, vacation or investment property.

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Eliminating private mortgage insurance (PMI).

Meet The Team

Brad Toland

Loan Officer

My job as the loan officer is to help educate my clients on the loan process and to help each person determine which loan structure fits their short and long-term financial goals.

Suzanne Earl

Loan Processor

I have worked here for 11 years and I value the friendships that come from the people I assist – and those don’t end after we finish the loan

Danika Nelson

Customer Care Coordinator

My job is to make sure your experience here is exceptional. I aim to make this experience like staying in a 5-Star hotel

Piper Benjamin

Home Staging Consultant

I have been told that I have the unique gift of design that allows me to walk into a home and see vibrant paint colors and furniture positions that will make your home unique

Mortgage Advantage Program

Matching a specific mortgage with your financial goals and helping you construct a plan as needed. Understanding your unique mortgage and financial goals. Implementing your developed plan and monitoring it every 6 months for continued success.

Employer Mortgage Program

When you run a business creating value for your employees can get expensive. Between healthcare and 401k plans this can add up quickly. I’ve committed to adding more value to local businesses without charging them a penny more.

Giving Back to the Community

Look No Further. Get Started Today

Apply Now!

Don’t Take my Word for it, Here is What my Clients are Saying.

Thanks to both of you for all your efforts in getting our refinancing loan taken care of so quickly.
If any of our friends need to refinance, we will definitely pass your contact information along to them. Mike Groth

BWA Architects

Brad,
Thanks again for all of your work and help in getting our loan set up and approved. You were a pleasure to work with even if we never got the chance to meet face to face before yesterday. Justin Hatch

Cohne Rappaport & Segal

Brad,
Thank you so much for all of your hard work on my mortgage! I love the house and I am grateful for all you did. I am happy to recommend you to anyone needing a mortgage. Amy Code

University of Utah

Brad,
We just wanted to say thanks for all the work you did for us and extra work. We know we were a bit of a pain w/our indecision and tight deadlines, but thank you!!! Kody and Jennie Hoover Heber

backcountryutah.com

Call today and let’s schedule an appointment — you will be glad you did!

801-327-9363