FHA loans
Low down payment and flexible credit guidelines. A common first step into homeownership.
Mortgage lending · Utah · Arizona · Nevada
Your next home, financed by someone who picks up the phone.
I've helped over 1,000 families buy and refinance homes across Utah, Arizona and Nevada. First home, move-up, VA, self-employed or investor, I'll map out the right loan and walk you to closing.
- Scotsman Guide Top Originators 2026
- Top 1% Mortgage Originators 2025
- Guild President's Club 2025
- NMP Leading LOs 2026
- 4.87/5 stars from 465 homebuyer reviews
- Top 5% on Experience.com
- 1,000+ homeowners helped
The Approval System
Watch the free 10-minute video before you apply
How to go from "can I even qualify?" to pre-approved and ready to make an offer. It's the same walkthrough I give buyers on a first call, so you know exactly where you stand.
Know your number
What would your monthly payment look like?
Move the sliders to see an estimated payment. When you're ready for real numbers, apply and I'll send you a pre-approval with your actual rate.
Estimated monthly payment
$0 /mo
Principal & interest
Property tax (est.)
Homeowners insurance (est.)
Loan amount
For illustration only, not a rate quote or commitment to lend. Assumes property tax of 0.55% and insurance of 0.35% of home price per year. Excludes mortgage insurance and HOA dues, which may apply. Your actual rate and payment depend on credit, loan program and property.
Loan options
A loan for where you are right now.
VA loans
Zero down payment and no monthly mortgage insurance for eligible service members and veterans.
Conventional
Fixed or adjustable rates, with options starting at low down payments for qualified buyers.
Down payment assistance
Programs that can help cover your down payment and closing costs, including Utah housing options.
Jumbo loans
Financing above conforming limits for luxury and larger homes.
Refinance
Lower your payment, shorten your term or take cash out from your home's equity.
Self-employed buyers
Strategies for buyers whose tax returns don't show the full picture of their income.
Investment properties
Financing for rentals and second homes, including options qualified on the property's rental income.
Bridge loans
Tap equity in your current home so you can buy the next one before your sale closes.
Program availability and terms depend on eligibility and are subject to underwriter approval.
How it works
From first question to keys in hand.
Apply online
A few minutes on your phone. Your information goes straight to me through Guild's secure application.
Get pre-approved
We review your income, assets and credit, then you get a pre-approval letter to shop with confidence.
Lock and process
Once you're under contract we lock your rate and I keep you updated at every milestone.
Close
Sign, fund and get your keys. I'm still here afterward for refinances and your next move.
4.87/5
Alex was fantastic. He always answered my questions quickly and at any time of the day! He made us feel secure and comfortable the whole process through.
Alex is very communicative and very easy to get along with. He makes you feel empowered in the buying process and never afraid to ask him any question.
Loan officer would not say no!! He made it happen regardless of road blocks! Great person to work with!!
Mr. Hernandez's hard work helped me to acquire my new house. He was dedicated, dependable, and caring.
Alex is knowledgeable, responsive, professional, and genuinely committed to helping his clients navigate the lending process with confidence.
Great communication, worked hard to hold this together and get it done.
Free community
Not ready to apply? Join the Utah Homebuyer Club.
A free online group where Utah buyers learn how the mortgage process really works before they shop. Watch the trainings at your own pace, show up to the weekly live session, and ask me anything.
What's inside
- First-Time Homebuyer course, including buying with little or no money down
- Self-employed borrower training
- DSCR investment loan training for investors
- Weekly live "Money 101: Home Ready" session
- Direct access to me for your mortgage questions
About Alex
Local, licensed, and easy to reach.
I'm a loan officer with Guild Mortgage. My job is to make the mortgage side of buying a home clear and predictable, so you always know what's happening, what's next, and what it costs.
I work with first-time buyers, veterans, move-up families, self-employed buyers and investors across Utah, Arizona and Nevada. I also build tools that keep my clients updated through every step of the loan, so you're never left wondering where your file stands.
1,000+homeowners helped
4.87/5stars from 465 real homebuyer reviews
Top 5%on Experience.com
3states licensed: UT, AZ, NV