Independent Home Loans, LLC

Your home is all about you. Trust our expert team to help you get there, one step at a time.

Simplify Your Home Buying Process

Buying your first home?

Are you ready to take the first step toward buying your first home? Start by talking with one of our home buying experts today.

See More

Are you a veteran or physician?

At Independent Home Loans LLC, we have special programs for Veterans and Physicians. Click below to learn more.

See More

Get your free quote today.

Apply online for a quick and easy FREE quote. It's that easy to take your first step toward being a home owner.

See More

Working with another mortgage company?
Get your FREE second opinion today.

“

I’m a local realtor and have had the amazing opportunity to work with Cam on numerous occasions. Me (and my clients) Have always been super impressed with Cam’s communication, professionalism, and his ability to get things done!

Brett Muir
“

Trace did an awesome job helping us with with our refinance! He was recommended to us by another family member and we decided to get pricing from him as well!

Trent Hill
“

When I first bought my home I was talking with Trace with Independent Home Loans but ended up using a friend of my brother. Trace was awesome to work with then and I could tell that he worked like a dog to get me the best rate then but I felt obligated to go with my other lender.

Dallin McEwen
“

Trace knows his stuff. Not only did he get us the best rate but he was very involved and easy to work with. I would recommend using him if you’re in the market for a new loan or refinance.

Josh Combe
“

Trace was great. He helped us purchase a townhome in a fast moving market and during a holiday weekend. He commincauted well and worked quickly to help us get our home locked down.

Grant Taylor
“

Trace was wonderful and efficient! Closed our refi in a short time and found a lender that was right for us! The process was painless!

Christine Brown
“

Easy process. Professional help. Couldn't be happier. Exceeded all expectations.

Melanie M
“

This team is great! I have had the pleasure of working with Cam, and I can say from first hand experience that he always puts his clients first, his knowledge about mortgages is obvious, and always puts my needs first.

Josh Webber

Our Recent Helpful Articles

Uncategorized

Utah Housing Market, Should You Buy?

Yes! Housing prices are expected to rise for the coming year, Utah's housing market has…
Uncategorized

Best Questions to Ask Your Loan Officer

What is the right loan for you? There is much to know about the various…
Uncategorized

5 things you should know before buying a home

How much you are REALLY spending. Often buying a home goes beyond the list price…

Common Mortgage Questions

What's the first step to take when buying a home?

Receive a mortgage pre-approval. Unless you are paying cash for a house, you will need to get a mortgage. In order to know how much home you can afford, you will need to get pre-approved for a loan. This is the first-step in the home buying process.

How long does it typically take to buy a home?

30-45 days. The timeline for finding a house varies greatly from person to person. Once you find a house and have an accepted offer, it usually takes around 30 days to close.

Should I talk with a bank first?

The answer to the question is YES!  There are tons of reasons why you should talk with a bank and get pre-approved before looking at homes.  First and foremost, talking with a bank before looking at homes can help you understand exactly how much you can afford.  There is no reason to look at homes that are listed for $250,000 if you can only afford up to $200,000.

Should I buy or continue to rent?

Buying a home can be a very solid investment.  This being said, renting can also be a better option for some, depending on the circumstances.  The current interest rates are incredible.  A 30-year FHA mortgage can be locked in at a rate of around 3.5%.  Since the interest rates are so low, it actually can be cheaper to pay a mortgage right now than paying rent.

Should I contact a realtor when buying a home?

When buying a home, it’s strongly recommended you have a Realtor.  There are many reasons why you should have a Realtor represent your best interests when buying a home.  Keep in mind, all Realtors are not the same!  When choosing a buyers agent, make sure you know how to properly interview prospective Realtors when buying a home.

See why our expert team can help save you thousands

Learn About Us

Calculate your monthly mortgage rate

Mortgage Rate Calculator

Let's take the first steps toward home, together.

    “It was really fun getting to know the team during the project. They were all helpful in answering my questions and made me feel at ease. The design ended up being better than I could have envisioned!”

    Eve CrawfordProduct Designer

    “By far the best team I've ever worked with. They truly understood the look I was going for and completely nailed it! I would highly recommend them as a company, you simply just won't find any better team!”

    Aura BrooksGraphic Designer

    “Salient is by far the most astonishing WP theme out there! I literally could not be happier that I chose to buy your theme! Your regular updates and superb attention to detail blows me away every time I visit my new site!”

    Zak ReidInstructor, Skate Nao

    “I'm wondering why I never contacted these guys sooner! Seriously, they all have commendable talent in their respective fields and knocked my concept out of the ballpark. Thanks for an amazing experience!”

    Jack GrahamCo Founder, Coffee Inc