Loans that fit the plan, not the pitch.
Buying, refinancing, or scaling a rental portfolio. I run the scenarios straight, show the tradeoffs, and hand you a full loan estimate before you commit. Licensed with Sugarhouse Mortgage, NMLS #1774125.
Three lanes, one advisor.
Buying
Conventional, FHA, VA, jumbo, and first-time buyer paths. Preapproval that reflects real underwriting, not a marketing number.
- Full loan estimate up front
- Rate lock strategy explained
- Down payment and reserve planning
Refinancing
Rate-and-term, cash-out, and consolidation. We only refi if the math actually works after costs and the break-even lands inside your timeline.
- Break-even analysis in writing
- Cash-out vs HELOC comparison
- Skip-payment tradeoffs shown honestly
Investment
DSCR, conventional investor loans, and portfolio strategy for one property or ten. Underwriting on the deal, not just the borrower.
- DSCR sizing for Utah rents
- Cash-out for the next acquisition
- Portfolio-level rate and reserve strategy
From first call to funded.
- 01
Intro call
Thirty minutes. What you are trying to do, what your numbers actually look like, and whether a loan even makes sense right now.
- 02
Scenario and estimate
One or two scenarios with rate, payment, cash-to-close, and total cost. Delivered as a real loan estimate you can compare against anyone else.
- 03
Application and docs
Secure upload, a clear checklist, and a human answering your questions. No portal ghost town.
- 04
Underwriting and appraisal
I track conditions and appraisal timing so you are not the one chasing the file.
- 05
Clear to close
Final numbers reviewed line by line before you sign. No surprises at the closing table.
- 06
After funding
I keep an eye on your rate and equity. If a future refi makes sense, you hear it from me first.
Ian Wood is a licensed mortgage loan originator with Sugarhouse Mortgage (NMLS #539102), individual NMLS #1774125, and a licensed Utah principal broker (Three Door Real Estate, #5888945-PB00). These are two separate practices. Utah law does not permit one person to act as both the real estate agent and the loan originator on the same transaction, and I do not. If you also need an agent, I am glad to refer a trusted one.
Want a real number, not a marketing rate?
Send a note or start a scenario. You get a written loan estimate before you commit to anything.