No credit pull, no obligation. Just clear answers about what you can afford — and what programs might help you get there.
01
Tell Us About You
A few quick questions about your income, credit, and savings.
02
We Run the Numbers
Our system runs your numbers and identifies loan programs and assistance you may qualify for.
03
Get Your Results
Receive a personalized estimate in your inbox — then connect with a licensed loan officer in your state.
Your Loan Officer
Curtis Christensen
Mortgage Loan Originator · NMLS #156825
I'm passionate about helping people achieve their homeownership goals. With deep expertise in conventional, FHA, VA, and jumbo loans, I take the time to understand each client's unique financial situation and find the right solution for them. My commitment is to make the mortgage process straightforward, transparent, and stress-free from application to closing.
Utah Mortgage · 1525 N Main St. Ste. 100 · Bountiful, UT 84010 · NMLS# 1432672
No credit pull, no obligation. Just honest answers about what you can afford.
1 Who will be purchasing?
2 What do you estimate your credit score(s) to be?
3 Gross monthly income before taxes (combine if more than one borrower)
4 Do you have a down payment saved?
5 Which state and city are you wanting to live?
6 Your monthly debt payments
Enter the minimum monthly payment for each debt that shows up on your credit report — the payments a lender counts against you. Leave anything you don't have blank.
✓ Include: car loans and leases, student loans, personal loans, credit card minimum payments, child support or alimony.
✕ Do not include: rent or your current mortgage, property taxes, homeowners or car insurance, utilities, phone, internet, cable, streaming, groceries, gas, childcare, or anything else that isn't a loan reporting on your credit.
Total monthly debt payments$0
Step 2 of 2 — Your Results
Almost there — where do we send your numbers?
Your results appear on the very next screen. We also send a copy to your email so you have it, and Curtis will follow up to see if he can improve the number with grant or assistance programs.
✉ Your Contact Information
Please re-type it — this is how Curtis reaches you with your final numbers.
By submitting, you consent to be contacted by Curtis Christensen (NMLS #156825) at Utah Mortgage (NMLS #1432672) via phone, text, or email. We never sell your information. Message & data rates may apply.
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Your Estimated Results
Here's what you may qualify for
Estimated Purchase Price
$0
Estimated Monthly Payment
$0
principal, interest, taxes & insurance
Estimated Cash to Close
$0
down payment + closing costs
💰 This number can often go further
Grant and down payment assistance programs can cover most or all of the cash to close, and a different loan program may raise your purchase price. Curtis will check every program you qualify for — at no cost.
Your numbers need a closer look
Based on what you entered, your monthly debt payments are using up most of the income a lender would count. That doesn't mean you can't buy — it usually means paying off or restructuring one or two accounts changes everything. Curtis will call you with a specific plan.
What happens next:
📧A copy of these results is on its way to your inbox
📞Curtis will call or text to confirm the details and firm up your numbers
💰He'll identify any grant or down payment assistance you qualify for
These figures are an estimate only, generated from the information you provided. They are not a pre-qualification, pre-approval, or commitment to lend. No credit report was pulled. Estimates assume a 30-year fixed FHA loan with 3.5% down and include estimated property taxes, homeowners insurance, and mortgage insurance; your actual rate, payment, taxes, insurance, and eligibility depend on a full application, credit review, and property details, and will vary. All loans subject to credit approval. Curtis Christensen NMLS #156825 · Utah Mortgage NMLS #1432672 · Equal Housing Opportunity.
Your Existing Home
HELOC · 2nd Mortgage · Refinance Options
Step 1 of 2 — Your Property
Tell us about your home
We'll send you a personalized list of home equity and refinance options — no obligation.
Step 2 of 2 — Your Results
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Where should we send your options?
There are dozens of home equity and refinance options available. We'll email you a personalized list of possibilities so you can decide what fits best for your situation.
By submitting you consent to be contacted by a licensed mortgage professional. We never sell your information.
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You're All Set!
Our team is reviewing your property information. We'll email you a personalized list of home equity and refinance options — usually within one business day.
