Utah’s Fast-Closing Mortgage Broker
We shop multiple wholesale lenders to find your best rate, then close 15–30 days faster than the average lender. Free quotes, honest advice, no pressure.
Or call (801) 916-5425 — you’ll talk to a licensed broker, not a call center.
Why Utah buyers choose FastTrack
- 101+ five-star Google reviews — the most trusted broker in Davis County
- Wholesale rates from multiple lenders, not one bank’s retail pricing
- Close in under 30 days — real pre-approvals that hold up
- Local since 2019 — owned by Chad Knowles, NMLS #968860
Who is FastTrack Mortgage?
FastTrack Mortgage Inc. is an independent mortgage brokerage inFruit Heights, Utah (NMLS #1847199), founded in2019 by broker Chad Knowles (NMLS #968860). We hold a 5.0-star Google rating across 101+ reviews and specialize in fast purchase and refinance closings across the Wasatch Front.
What We Do
Buy a Home
First-time buyer to jumbo. Fast pre-approvals that help your offer win, and closings that hit deadlines.
Learn more →Refinance & Save
Lower your rate, drop your payment, shorten your term, or pull cash out of your equity.
Learn more →Compare Your Options
Free calculators and honest side-by-side comparisons — never settle for the first offer you get.
Learn more →Loan Programs for Every Situation
Because we broker to many wholesale lenders, we can match nearly any borrower with the right program.
5.0★
101+ verified Google reviews
“They really stand by their name FastTrack — Chad made a complicated process feel easy. Clear and on-time communication throughout the loan process. Highly recommended!”Read Our Reviews
Frequently Asked Questions
Is FastTrack Mortgage a broker or a bank?
FastTrack Mortgage is an independent mortgage broker (NMLS #1847199) based in Davis County, Utah. Instead of offering one bank’s rates, we shop your loan across multiple wholesale lenders and pick the best rate and program for your situation — usually at lower pricing than the same lenders offer retail customers directly.
How fast can FastTrack Mortgage close a loan?
Most of our loans close in under 30 days, and we routinely close 15–30 days faster than the average lender. Fast pre-approvals and committed closing timelines are how our buyers win offers in competitive Utah markets.
What loan programs do you offer?
We offer Conventional, FHA, VA, USDA, and Jumbo loans, plus first-time homebuyer programs, HELOCs, construction loans, and bank statement loans for self-employed borrowers. Because we broker to many lenders, we can usually find a program even for non-traditional situations.
What areas do you serve?
We serve all of Utah, with deep roots in Davis County — Bountiful, Fruit Heights, Kaysville, Layton, Farmington, and Centerville — plus Ogden, Salt Lake City, and the greater Wasatch Front.
Does it cost anything to get a rate quote?
No. Rate quotes and pre-approvals are free, with no obligation. We don’t charge upfront application or credit report fees.
Get a Rate Quote in 30 Seconds
Mortgage rates change daily. Get a free, no-pressure quote from a Utah broker with 101+ five-star Google reviews.
Prefer to talk? Call (801) 916-5425