Let's obtain a loan approval!

If it's time for a new home loan, we will provide you with a solid approval. Sellers will know your offer is good, so you'll have an edge in the bidding war.

Apply Online Today

1 . Takes 10-15 Mins

2 . Easy to Complete

3 . Obligation Free

4. 100% Secure

We’re here to help with your questions and next steps.

Home Loans Made Simple

For Conventional, FHA and VA mortgage loans for home purchases and refinances

Purchase a Home

Owning a home is a cornerstone of the American Dream. At our company, we are dedicated to making this dream a reality for you. We take immense pride in our ability to match you with a Mortgage Program that aligns with your goals and aspirations, helping you take the crucial step towards homeownership.

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Refinance a Home

Refinancing has proven to be incredibly beneficial for our borrowers, resulting in substantial monthly savings. In fact, some borrowers have experienced savings of up to $1,000 per month by consolidating high-rate credit cards and automobile loans, among other expenses.

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WHY CHOOSE US

The Seamless Loan Process

Loan Pre-Approval

Take the First Step, Get a Quote

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Loan Processing & Origination

Document Gathering & Loan Underwriting

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Closing & Funding

Congratulations. Get Your Keys!

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Get Your Mortgage Rate Quote

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

Get My Custom Rate Quote

What Can I Afford?

Let’s talk on the phone, or meet in person. Give Jeff a call or text 801-548-2627 or submit your information online. And I will give you a call for a phone consultation or book an appointment.

Know My Numbers

1. Apply Online Here

When you are ready to purchase, we're ready too - apply online 24 hours a day, 7 days a week.

You will have an expert mortgage broker available to answer all your questions. Need Hel;? Call or Text Jeff 801-548-2627

2. Upload Necessary Documents

These document will be necessary to approve your mortgage application.

3. Close Your Loan

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Jeff Carlston is a Licensed Loan Officer NMLS #315077 with Augusta Lending Utah NMLS# 353774 Align Lending Michigan NMLS# 2041154

Approval & Updating

As your dedicated loan officer, I am committed to keeping you informed and involved throughout every step of the mortgage approval and closing process. Our robust backend support ensures accuracy and efficiency, allowing us to provide top-notch customer service and education to all parties involved. Here's a timeline of when you can expect updates:

1. New Application Received: You will be notified promptly upon receiving your initial mortgage and complete mortgage application. It's important to note that we order all verification of employment for borrowers before they go under contract.

2. Updating During the Loan Process: Our team is dedicated to providing the best customer service possible. Feel free to reach out with any questions during the loan process; we're here to assist you.

3. Automated Underwriting System Pre-Qualification: Expect notification when we have an approved/eligible status through the Automated Underwriting System, known as desktop underwriter DU.

4. TBD Pre-Approval by an Underwriter: A thorough review by an underwriter ensures a solid pre-approval. If you have any inquiries about our TBD process, don't hesitate to ask.

5. File Submitted to Underwriting: We prioritize submitting the file to underwriting within 24 to 48 hours from the day you go under contract. This proactive approach facilitates a smooth transaction.

6. Appraisal Ordered: Appraisal orders are initiated the day after the initial loan disclosures are signed. Let us know if you'd like to be listed as the contact when we order the appraisal.

7. Conditional Loan Approval: We will review the conditional loan approval with both you and the buyer, ensuring everyone understands the underwriter's documentation requests.

8. Interest Rate Locked: You'll be informed when we lock the interest rate. The timing may vary based on the borrower's circumstances to avoid closing delays.

9. Appraisal Received: Expect notification when we receive a copy of the appraisal.

10. Final Underwriting Approved : We'll keep you informed once we've received the clear-to-close, signifying that all conditions and the appraisal have been cleared by the underwriter.

11. Closing Disclosure Signed: You will be notified when the buyer signs the closing disclosure. We work closely with the title company to provide accurate numbers for the closing disclosure and the cash-to-close amount.

12. Closing Instructions: Sent to the Title Company: Expect notification when the lender sends closing instructions to the title company.

13. Approved Settlement Statement: We will inform you when we have the approved settlement statement and the final cash-to-close amount. The borrower will also be notified about the amount to wire to the title company before closing.

14. Loan Funded: You will receive notification when the loan has been funded. For more challenging loans, our goal is to close on a Wednesday and fund on Friday to ensure all funding conditions and documents are in order.

How Much Do I Qualify For?

Jeff Carlston

Loan Officer | 801-548-2627 | NMLS#315077

Utah is a wonderful state to work in real estate as a loan officer and to get to know many clients and Realtors. Jeff started his career as a loan officer in 2001 in Salt Lake City, Utah and has assisted many clients to refinance and purchase a home. Over the years through his customer service and financing solutions he has been able to maintain his career working by referral.

Jeff enjoys his career in the real estate industry working with Realtors and assisting their clients to purchase a home. As an entrepreneur he/she grows his real estate career through hard work, dedication, and regular communication with clients and Realtor business partnerships.

Refer-a-Friend

As your loan officer, my top priority is to provide you with exceptional service and support throughout your home financing journey. If you are pleased with the assistance and guidance you've received, the best compliment you can give is a referral to friends, family, or colleagues who may also benefit from my expertise. Your recommendation not only helps others achieve their homeownership dreams but also reinforces my commitment to delivering outstanding service. Thank you for trusting me with your mortgage needs, and I look forward to helping those you refer with the same dedication and care.

Refer-a-Friend

I'm Jeff, your dedicated loan officer at Augusta Lending. In this newsletter, you'll find valuable insights, tips, and updates about the mortgage and real estate market designed to help you navigate the home buying and refinancing process with confidence. Whether you're a first-time homebuyer, looking to refinance, or just curious about the current market trends, we're here to support you every step of the way. Our goal is to provide you with the information you need to make informed decisions about your financial future.