A home purchase loan finances the home you’re buying, and the lender you choose determines your rate, fees, and how fast you close. As a Utah mortgage broker, FastTrack shops your loan across multiple wholesale lenders to find the best combination for your situation — then typically closes in under 30 days.
Why borrowers choose this program
- Real pre-approvals (underwriter-reviewed, not a 10-minute pre-qual) that sellers take seriously
- Access to Conventional, FHA, VA, USDA, Jumbo, and first-time homebuyer programs in one place
- Wholesale rates from multiple lenders — often lower than the same bank’s retail pricing
- Closings 15–30 days faster than the average lender, so your offer can compete
How the purchase process works with a broker
You apply once. We pull your credit once, review your income and assets, and issue a pre-approval — usually within hours. Then we shop your file across our wholesale lender network and show you the best rate and fee combinations side by side, so you choose with real numbers instead of a single bank’s offer.
Once you’re under contract, we lock your rate, order the appraisal immediately, and drive the file to clear-to-close. Because we control the process end to end, we routinely close purchases in under 30 days — a real advantage in competitive Utah markets like Davis County and Salt Lake City.
Which purchase program fits you?
Strong credit and 5%+ down usually points to Conventional. Smaller down payment or thinner credit often favors FHA. Veterans and active-duty service members should almost always compare a VA loan first (zero down, no mortgage insurance). Buying rural or in outlying Utah communities may qualify for zero-down USDA. Loan amounts above conforming limits need a Jumbo. Not sure? That comparison is exactly the job of a broker — and it’s free.