Hi there, My name is Spencer A. Haymond and I am the founder and owner of Pebblebrook Mortgage and Lending and for over eight years we have been serving clients in Utah with home loans, refinancing, construction loans and just about every kind of real estate related lending you can imagine.

The reason for our success, is that we focus our entire business entirely around Meeting And Exceeding Your Expectations. You are the heart of our business and everything else comes second.

In fact, we are very unique and different from our competitors, in that we offer you our "Satisfaction Guarantee." What that means is that we put our money where our mouth is when it comes to providing exceptional high quality customer service you can count on.

Utah Home & Mortgage Loans

Qualifying for Utah home loans is all about the correct paperwork. Lenders play by a set of rules mainly established by Fannie Mae and Freddie Mac. To satisfy those rules they will be looking for a two year history that can be verified by documentation.


We will need to submit your W-2's or 1099's along with your full federal tax return and all schedules for the past two years. The past two months of bank statements which must be on letter head, include your account number, name, history of transactions and all pages even if the pages are blank.


We will also need to turn in pay stubs reflecting the most recent month of work and a copy of your driver's license and Social Security card or Passport. If there is a divorce in your history it is important to provide the divorce decree and the most recent court rulings on alimony and child support.


FREE CONSULTATION: Call me at (801) 381-5757 and I'll be happy to walk through all these steps so it is an easy and painless process for you.


First Time Home Buyers looking for Utah mortgage loans will have much greater success if they can show their ability to pay their rent over the last twelve months with canceled checks.


In any case there is typically a solution if some of the paperwork is missing and as your broker I have the ability to work with multiple lenders and banks to find the best loan for your current situation and future goals. I am confident that with my Six Steps To Success process, it will give you the best package possible to be able to help you get your Utah mortgage loans.


Use our calculator to see what monthly payment you are comfortable with, and give me a Call Today at (801) 381-5757 and let me help you quickly and easily understand the process for obtaining Utah home loans.