EXCELLENT39 reviews on
Elise RodriguezJanuary 16, 2024Ryan Cisney with Advantage Mortgage is the best! That is why we only do business with him and refer all our family and friends to him! He always has time to answer all our questions, no matter how small or silly they feel or if he's already explained it before. He is honest and trustworthy and goes above and beyond. He will also let you know if it is not the best time with rates or not in your best financial interest at that time (even if that comes at a cost for him) and that's how he retains us as clients because he is transparent and up front in all his dealings. Can't recommend him enough and no, I was not compensated to do this review. Highly recommend!!
Jason LynchOctober 27, 2023I worked with Advantage Mortgage and Ryan for my most recent home purchase but also on past purchases and refinances as well. He is very knowledgeable and helpful. It was evident to see he had our best interest in mind and did what was needed to help us. He would often go above and beyond and spend time answering any questions we had for as long as it took for us to understand. He has taken care of us and I don’t see us ever using anyone else. Thank you guys! You are all awesome!
Tim WermerAugust 18, 2023Ryan did an amazing job helping me secure a mortgage. He answered all of my questions and was a great resource. Highly recommend!!!
Jami SmithMarch 18, 2022Ryan and his team are amazing. In three weeks we were able to go from start to finish in buying a home, including having an appraisal done. His team kept us informed and on task everyday. My parents, my sister, and I have all used Ryan and his team and we have been well pleased. Thank you Ryan and your team for a job well done.
Jordan StevensJanuary 6, 2022Ryan and his team were awesome to deal with. They got my refinance done quickly and answered all my questions with ease. I will be referring all my friends and family without hesitation.
David SkidmoreSeptember 15, 2021Great to work with, very responsive to our needs and always willing to take the time needed to allow us to understand. Highly recommend!
Stockton StokerSeptember 1, 2021This process was seamless. The team is very easy to work with, very organized and friendly. If I ever need anything else with my mortgage I will be calling Ryan and his team.
Laurie YoungerAugust 31, 2021Great service! Would use again!
Utah
Mortgage RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Ryan Cisney to receive a personalized rate for your specific situation.
FHA home loans are popular among Utah first-time homebuyers due to low down payment and credit requirements.
FHA Loans
A conventional(fixed-rate mortgage) is a popular type of home financing in Utah because it offers predictability for your budget.
Conventional Loans
A jumbo home loan is a mortgage used to finance Utah properties that are too expensive for a conventional conforming loan.
Jumbo LoansConventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in Utah? Now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
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