Independent Home Loans, LLC

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

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Buying your first home?

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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

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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.

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