KAIROS MORTGAGE

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KAIROS MORTGAGE

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Mortgage Services

Home Loans

First Time Home Buyers

Mortgage Refinance

Whether you’re a first-time homebuyer or you have decades of mortgage history, applying for a home loan can be a daunting process. Selecting the right loan program for your needs can also pose a challenge, especially when you have dozens of mortgage loan programs to choose from.  Working with an experienced mortgage broker helps to ensure that the process goes smoothly for you and that you get the best loan program for you at the lowest possible rate.


When you’re in the market for a home loan, Utah borrowers tend to limit their comparison shopping to mortgage rates and fees. However, to select the right lending program for you, it’s important to compare some of the features and terms, in addition to the rate.  For example, your home purchase may qualify for both conventional and FHA mortgage programs. However, because these programs are worlds apart, you need a thorough explanation of each program’s pros and cons to make an informed choice.  Or, with many new adjustable rate mortgage (ARM) programs available, you may have the option to choose between an ARM and a fixed-rate home loan. And, with regard to term, are you that much better off with a 15-year term as compared to a 30-year term? A knowledgeable, experienced home loan broker can answer all your questions and help you make the right decision for you.  Finally, before deciding on which mortgage program is right for you, consider the mortgage lender you’ll be working with. Even when their rates are comparable, not all mortgage brokers offer the same benefits to you as a borrower.  Some characteristics to look for in a lender include the company’s commitment to customer service and convenience. Exceptional communication is also critical, as is the lender’s ability to get your loan closed quickly and reliably with a minimum amount of hassle for you.

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Mortgage Refinance

First Time Home Buyers

Mortgage Refinance

A mortgage refinance loan is a great way to lower your monthly house payment. However, refinancing your home is also a cost-effective way to consolidate your outstanding debts or fund a major home improvement project. When you work with a local mortgage broker in Salt Lake City, you can select from a variety of loan programs to accomplish your goals, including conventional refinance loans and the popular FHA streamline refinancing program.


Other potential benefits of refinancing?

  • Lower your interest rate.
  • Get rid of private mortgage insurance
  • Consolidate your debts
  • Restructure your home loan

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First Time Home Buyers

First Time Home Buyers

First Time Home Buyers

A first-time homebuyer loan is designed for people whose financial situation and credit profiles do not meet the average criteria. Features and requirements may vary depending on where you live or what programs are on offer in your area. But the borrower-friendly loan generally has benefits that you can’t find in other loan options.


 Financial assistance can come in many forms, some of which are easier approval, low to no down payment, subsidized interest rates, help with closing fees, grants, deferred payments, and mortgage debt forgiveness. To receive these benefits, you may be required by some organizations to take homeownership education, a short course designed to help borrowers understand the benefits and responsibilities of homeownership. 

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