Online Banking Login clearer Online Services Personal Services Business Services Lending Services Contact Main Content Home Mortgage Loans by Rock Canyon Bank Simplifying mortgage loans to help you get into the home of your dreams—faster. At Rock Canyon Bank, you are more than just your credit score. Our mortgage loan experts work directly with you to explore the best mortgage options for you to help you get into your dream home. We use in-house underwriting and local decisioning which means we’re able to process your loan quickly and efficiently for a smoother, more hassle-free application experience. Find out why our clients love working with our mortgage loan experts and experience the difference by beginning your application today. Home Mortgage Loan Options Our mortgage experts will work directly with you to find the best mortgage loans for your needs. Conventional Get into the home of your dreams with a conventional fixed or adjustable interest rate loan. First-Time Homebuyer Our mortgage loan experts work with first-time homebuyers to make the process as positive as possible. Bridge Loans Sometimes timing can be challenging. Our bridge loans offer you a short-term loan solution to bridge the gap between transactions. Refinance Potentially lower your interest rate and monthly payment by switching to a fixed-rate refinance loan. Construction We are experienced in construction lending, helping you build your project from start to completion. Jumbo Need a mortgage exceeding conforming loan limits? Our jumbo loan services help make that possible. Mortgage Loan Process What should you expect when you choose Rock Canyon Bank for your home mortgage loan? Start your application. First, start your loan application online or contact Rock Canyon Bank so one of our mortgage loan experts can help you begin the process. Get pre-qualified. Next, we’ll work on getting you pre-qualified. This helps you know what you can qualify for to help in your shopping. Gather documents. Our home mortgage loan expert will work with you to determine what documents you need for your loan. Processing & underwriting. We do all of our underwriting in-house and all of our loans except jumbo loans have local decisioning, which means the processing period can be faster and more hassle-free than many mortgage lenders. Closing. After your loan is approved, closing day will be scheduled! This is where you do a final review of the documents and sign. Are you ready to take the next step? Begin your home mortgage loan application now or speak with a mortgage loan expert today. Mortgage Loan Calculator How much home can you afford? Use our home mortgage loan calculator to run the numbers. Home Mortgage Calculator > Why Choose Rock Canyon Bank as your Utah Mortgage Lender? At Rock Canyon Bank, we are proud to support our Utah community as well as clients throughout the Intermountain West. We believe in “Relationship Banking,” or the principle of providing a high level of customer service backed by expertise and a trusted relationship. Our clients choose to work with Rock Canyon Bank for the following reasons: Outstanding Customer Service When you work with Rock Canyon Bank for your home mortgage loan, you are working directly with someone who understands the area and the Utah community we serve. Our mortgage loan team is exceptionally good at what they do and will work diligently to find the best mortgage solution for you. Local Processing At Rock Canyon Bank, we are focused on making the mortgage loan process as fast, easy, and stress-free as possible for our clients. Almost all of our loans are processed locally, and we use in-house underwriting, which means we have more direct control over the mortgage process. Competitive Rates Rock Canyon Bank offers extremely competitive rates for all loan types and programs. To learn more about our rates or to get pre-qualified, reach out to our mortgage experts today. Talk to a Mortgage Expert > Financial Calculators Use our financial calculators to help you determine your cash needs for your next purchase. How much mortgage might I qualify for? How much home can I afford? Should I refinance? Should I rent or buy? How much will my fixed rate mortgage payment be? How much will my adjustable rate mortgage payments be? How much will I save by increasing my mortgage payment? ©2020 Rock Canyon Bank. All rights reserved. NMLS# 410654. Get Adobe Reader | Privacy Notice | Site Map | Search