Talk To Justin Directly
Call - (435) 710-2930
Talk To Justin Directly
Call - (435) 710-2930
🏅ATTENTION:🏅
St George H.E.R.O.E.S
We Help Everyday Real-Life Local Heroes Like You Secure Homes with Exclusive Savings...
Home Loan Benefits
For Firefighters, Law Enforcement, Military,
Healthcare and Teachers
$0 Down Payment Options Available.
No matter your financial situation,
we’ll guide you through the process.
Self-employed? No problem we’ve
got programs for you!
Low Rates and Flexible Terms
Quick, hassle-free, and
no obligation pre-approvals.
Free Appraisal when you use Select
Agents in our network Ask for details.
No sensitive information needed
No DOB or SSN required!
Justin Muir
That Mortgage Guy
Saving You Money
Where It Counts!
I’m personally covering $1,095
Towards closing costs something
other loan officers and lenders
will charge you for...
Consider it my way of saying thanks for choosing to work with me and helping
you start your homeownership
or refinancing journey with a little
extra peace of mind and savings.
Mark Fulcher
Your Realtor For Life
Helping Heroes with Exclusive Savings...
As a local Realtor, I’m honored to
support our community’s heroes
by covering up to $800 toward your appraisal fees. Combined with Justin’s $1,095 credit, you’ll save up to $1,895 because you deserve a homebuying experience that gives back.
🏅ATTENTION:🏅
St George H.E.R.O.E.S
We Help Everyday Real-Life Local Heroes Like You Secure Homes with Exclusive Savings...
Home Loan Benefits
For Firefighters, Law Enforcement, Military,
Healthcare and Teachers
$0 Down Payment Options Available.
No matter your financial situation, we’ll guide you through the process.
Self-employed? No problem we've got programs for you!
Low Rates and Flexible Terms
Quick, hassle-free, and
no obligation pre-approvals.
Free Appraisal when you use Select
Agents in our network Ask for details.
No sensitive information needed No DOB or SSN required!
Saving You Money
Where It Counts!
I’m personally covering $1,095
Towards closing costs something
other loan officers and lenders
will charge you for...
Consider it my way of saying thanks for choosing to work with me
and helping you start your homeownership
or refinancing journey
with a little extra peace of
mind and savings.
Justin Muir
That Mortgage Guy
Helping Heroes with Exclusive Savings...
As a local Realtor, I’m honored to
support our community’s heroes
by covering up to $800 toward your appraisal fees. Combined with Justin’s $1,095 credit, you’ll save up to $1,895 because you deserve a homebuying experience that gives back.
Mark Fulcher
Your Realtor For Life
Work directly with a Local Mortgage Broker
Who Has Access to Over 200 Lenders
Skip the “Your Call Is Important to Us” Routine and
Work with Someone Who’s Actually Ready to Help.
No Down Payment Options: loans that allow eligible borrowers to finance 100% of the home’s value, making homeownership more accessible
Low Interest Rates: With access to over 200 lenders, I can offer competitive rates tailored to fit your goals and budget.
Refinance Options Made Simple: Refinancing, you can lower your interest rate with minimal paperwork and often times no appraisal.
Program Built for You: Because heroes like you deserve an easier path to homeownership.
Closing Cost Assistance: In some cases, select agents or programs offer help with closing costs, making it even more affordable. We have a network of agents that will contribute up to $800 towards an appraisal. Ask for details.
Exclusive Savings for Heroes: Up to $1,895 in credits to help you save.
Dedicated Realtor Partnerships: Exclusive offers like appraisal credits up to $800 at
closing through participating agents.
No Prepayment Penalty: Pay off your mortgage early without worrying about extra fees.
Funding Fee Flexibility: While VA loans have a funding fee, it can often be rolled into the loan, keeping upfront costs low.
Hero-Focused Support: Work with a local team that understands the St George aera and who values your service.
And so much more! With access to over 200 lenders, I have the perfect solution for every borrower—no matter your situation.
Work directly with a Local Mortgage Broker
Who Has Access to
Over 200 Lenders
Skip the
“Your Call Is Important to Us” Routine and Work with Someone Who’s Actually Ready to Help.
No Down Payment Options: loans that allow eligible borrowers to finance 100% of the home’s value, making homeownership more accessible
Low Interest Rates: With access to over 200 lenders, I can offer competitive rates tailored to fit your goals and budget.
Refinance Options Made Simple: Refinancing, you can lower your interest rate with minimal paperwork and often times no appraisal.
Program Built for You: Because heroes like you deserve an easier path to homeownership.
Closing Cost Assistance: In some cases, select agents or programs offer help with closing costs, making it even more affordable. We have a network of agents that will contribute up to $800 towards an appraisal. Ask for details.
Exclusive Savings for Heroes: Up to $1,895 in credits to help you save.
Dedicated Realtor Partnerships: Exclusive offers like appraisal credits up to $800 at
closing through participating agents.
No Prepayment Penalty: Pay off your mortgage early without worrying about extra fees.
Funding Fee Flexibility: While VA loans have a funding fee, it can often be rolled into the loan, keeping upfront costs low.
Hero-Focused Support: Work with a local team that understands the St George aera and who values your service.
And so much more! With access to over 200 lenders, I have the perfect solution for every borrower—no matter your situation.
Here’s how we can work
together to reach your
Homeownership or
Refinancing Goals...
STEP 1
Start with a Quick,
No Pressure Quiz
or Call Me Directly
(435)-710-2930
Take a quick, hassle-free quiz—no personal information required. Find out how much
home you can afford or explore your
refinancing options, all in just a few clicks.
STEP 2
Review Customized Loan Options
Just for You
Learn how much you qualify for, what your payments could look like, and how quickly you can get approved to move forward.
STEP 3
Finalize Your Approval Options and Move
Forward Toward
Your Goals...
Finalize your mortgage loan
approval and take the next step
whether it’s refinancing or starting
your search for a new home.
Here’s how we can work together to reach
your Homeownership or Refinancing Goals
STEP 1
Start with a Quick, No
Pressure Quiz or Call Me
Take a quick, hassle-free quiz—no personal information required. Find out how much home you can afford or explore your refinancing options, all in just a few clicks.
STEP 2
Review Customized Loan Options Just for You.
Learn how much you qualify for, what your payments could look like, and how quickly you can get approved to move forward.
STEP 3
Finalize Your Approval
Options and Move Forward
Toward Your Goals...
Finalize your mortgage loan approval and take the next step—whether it’s refinancing or starting your search for a new home.
Frequently Asked Questions
What loan programs do you offer?
Great question! As a mortgage broker, I work with over 200 lenders, offering a wide variety of loan programs to meet every borrower’s unique needs. Here’s just a glimpse of what I can offer:
FHA Loans
Conventional Loans
VA Loans
HomeReady
Home Possible
Good Neighbor Next Door
USDA Loans
Jumbo Loans
DSCR Loans (Debt Service Coverage Ratio)
Bank Statement Loans
No-Doc Loans
ITIN Loans
Down Payment Assistance Programs
2-1 and 3-2-1 Buydown Programs
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Interest-Only Loans
Doctor and Professional Loans
Construction Loans
Renovation Loans (including FHA 203(k))
Reverse Mortgages
HELOCs (Home Equity Line of Credit)
Bridge Loans
Energy-Efficient Mortgages (EEM)
Manufactured Home Loans
Non-QM Loans (Non-Qualified Mortgages)
First-Time Homebuyer Programs
And so much more!
No matter your situation or goals, I’ve got the perfect program for you.
Fill out my quick 60-second survey, and we’ll find the best program tailored to your needs.
Should I talk to a realtor or get approved first?
Always start with me, Justin, That Mortgage Guy. Why? You need to know exactly what loan program you qualify for and the payment you’re comfortable with before house hunting.
Realtors won’t take you shopping without a pre-approval letter—they want to know you’re serious and financially ready. And here’s the thing: even if you go to a realtor first, they’ll send you right back to a mortgage advisor like me.
Save yourself the extra step and start with me so we can figure out your budget, lock in the best program, and get you ready to shop stress-free.
Do you have realtors to refer me to once I’m qualified?
Absolutely! If you don’t already have an agent, I can recommend a couple of experienced agents in your area. These referrals are to help you find someone who matches your personality, communication style, and specific needs.
It’s important that you feel comfortable and confident with your realtor, so you’ll have the chance to see if they’re the right fit for you. Think of me as your real estate matchmaker—I’ll connect you with someone who has your back, just like I do.
How does the $1,095 offer work? And are you really paying out of pocket?
Yes, I’m paying the full $1,095 out of my own personal pocket—no gimmicks. This rebate directly covers $595 in processing fees and $500 in admin fees, which every other loan officer or lender will charge you as part of your closing costs.
But not me...
Think of it as my way of making your homeownership journey a little easier and more affordable. By covering these fees, I’m helping to reduce the upfront costs of buying or refinancing your home so you can focus on what really matters—getting into your dream home or saving money on your current home.
What if I don’t have a down payment?
Good news! As a first-time homebuyer—or even if you haven’t purchased a home in the last three years—you might qualify for $0 down payment programs.
From USDA loans to specialized grants, there’s likely a path forward for you. Let’s explore the possibilities together and get you into your new home without breaking the bank.
Do you really work with over 200 lenders?
You bet I do! As a broker, I partner with 200+ lenders, giving me access to programs for almost any situation. Plus, I make them compete for your business, which means better rates and terms for you.
It’s like having a whole team of lenders working to win you over, all while I guide you through the process.
What if I get denied?
Hey, it happens. But don’t worry—I’m not here to toss you into the woods and leave you to figure things out alone. If a denial happens, I’ll create a personalized roadmap with clear steps and a timeline to help you qualify in the future.
Whether it takes six months or five years, I’m here to guide you every step of the way. We’re in this together.
Can I still qualify if I’m self-employed?
Of course! I specialize in programs designed for self-employed borrowers. From bank statement loans to no-doc options, there’s likely a solution that works for you. Let’s make your entrepreneurial success work in your favor.
Will you help me compare rates?
Absolutely! Because I work with so many lenders, I’ll present you with the best options tailored to your goals. I don’t just find you a rate—I find you the right rate, ensuring it fits your financial needs and long-term plans.
Does the $1,095 offer apply to refinances or just home purchases?
Great question! This offer applies to both home purchases and refinances. Whether you’re buying your dream home or saving money through a refinance, I’ll personally cover $1,095 in processing and admin fees to reduce your closing costs.
And if you know someone who could benefit from this savings—whether they’re buying or refinancing—send them my way. I’d love to help them too!
No matter your situation, I’m here to make the process easier and more affordable for everyone.
Got more questions?
Fill out my quick, 60-second quiz to get started, or reach out however you prefer. Call, text, or chat—I’m here to make the process as smooth and fun as possible. It’s all about your style of communication, and I’m here for it!
Frequently Asked Questions
What loan programs do you offer?
Great question! As a mortgage broker, I work with over 200 lenders, offering a wide variety of loan programs to meet every borrower’s unique needs. Here’s just a glimpse of what I can offer:
FHA Loans
Conventional Loans
VA Loans
HomeReady
Home Possible
Good Neighbor Next Door
USDA Loans
Jumbo Loans
DSCR Loans (Debt Service Coverage Ratio)
Bank Statement Loans
No-Doc Loans
ITIN Loans
Down Payment Assistance Programs
2-1 and 3-2-1 Buydown Programs
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Interest-Only Loans
Doctor and Professional Loans
Construction Loans
Renovation Loans (including FHA 203(k))
Reverse Mortgages
HELOCs (Home Equity Line of Credit)
Bridge Loans
Energy-Efficient Mortgages (EEM)
Manufactured Home Loans
Non-QM Loans (Non-Qualified Mortgages)
First-Time Homebuyer Programs
And so much more!
No matter your situation or goals, I’ve got the perfect program for you.
Fill out my quick 60-second survey, and we’ll find the best program tailored to your needs.
Should I talk to a realtor or get approved first?
Always start with me, Justin, That Mortgage Guy. Why? You need to know exactly what loan program you qualify for and the payment you’re comfortable with before house hunting.
Realtors won’t take you shopping without a pre-approval letter—they want to know you’re serious and financially ready. And here’s the thing: even if you go to a realtor first, they’ll send you right back to a mortgage advisor like me.
Save yourself the extra step and start with me so we can figure out your budget, lock in the best program, and get you ready to shop stress-free.
Do you have realtors to refer me to once I’m qualified?
Absolutely! If you don’t already have an agent, I can recommend a couple of experienced agents in your area. These referrals are to help you find someone who matches your personality, communication style, and specific needs.
It’s important that you feel comfortable and confident with your realtor, so you’ll have the chance to see if they’re the right fit for you. Think of me as your real estate matchmaker—I’ll connect you with someone who has your back, just like I do.
How does the $1,095 offer work? And are you really paying out of pocket?
Yes, I’m paying the full $1,095 out of my own personal pocket—no gimmicks. This rebate directly covers $595 in processing fees and $500 in admin fees, which every other loan officer or lender will charge you as part of your closing costs.
But not me...
Think of it as my way of making your homeownership journey a little easier and more affordable. By covering these fees, I’m helping to reduce the upfront costs of buying or refinancing your home so you can focus on what really matters—getting into your dream home or saving money on your current home.
What if I don’t have a down payment?
Good news! As a first-time homebuyer—or even if you haven’t purchased a home in the last three years—you might qualify for $0 down payment programs.
From USDA loans to specialized grants, there’s likely a path forward for you. Let’s explore the possibilities together and get you into your new home without breaking the bank.
Do you really work with over 200 lenders?
You bet I do! As a broker, I partner with 200+ lenders, giving me access to programs for almost any situation. Plus, I make them compete for your business, which means better rates and terms for you.
It’s like having a whole team of lenders working to win you over, all while I guide you through the process.
What if I get denied?
Hey, it happens. But don’t worry—I’m not here to toss you into the woods and leave you to figure things out alone. If a denial happens, I’ll create a personalized roadmap with clear steps and a timeline to help you qualify in the future.
Whether it takes six months or five years, I’m here to guide you every step of the way. We’re in this together.
Can I still qualify if I’m self-employed?
Of course! I specialize in programs designed for self-employed borrowers. From bank statement loans to no-doc options, there’s likely a solution that works for you. Let’s make your entrepreneurial success work in your favor.
Will you help me compare rates?
Absolutely! Because I work with so many lenders, I’ll present you with the best options tailored to your goals. I don’t just find you a rate—I find you the right rate, ensuring it fits your financial needs and long-term plans.
Does the $1,095 offer apply to refinances or just home purchases?
Great question! This offer applies to both home purchases and refinances. Whether you’re buying your dream home or saving money through a refinance, I’ll personally cover $1,095 in processing and admin fees to reduce your closing costs.
And if you know someone who could benefit from this savings—whether they’re buying or refinancing—send them my way. I’d love to help them too!
No matter your situation, I’m here to make the process easier and more affordable for everyone.
Got more questions?
Fill out my quick, 60-second quiz to get started, or reach out however you prefer. Call, text, or chat—I’m here to make the process as smooth and fun as possible. It’s all about your style of communication, and I’m here for it!
🏅Not a Local Heroes🏅
But Looking To Buy
Or Refinance?
Click below to get started.
Don’t worry, I’ll make this process
as painless as possible and
handle the heavy lifting,
no matter which path you are on!
Justin Muir
That Mortgage Guy
Saving You Money
Where It Counts!
I’m personally covering $1,095
Towards closing costs something
other loan officers and lenders
will charge you for...
Consider it my way of saying thanks for choosing to work with me and helping
you start your homeownership
or refinancing journey with a little
extra peace of mind and savings.
🏅Not a Local Heroes🏅
But Looking To Buy
Or Refinance?
Click below to get started.
Don’t worry, I’ll make this process as painless as possible and handle the heavy lifting, no matter which path you are on!
Justin Muir
That Mortgage Guy
Saving You Money
Where It Counts!
I’m personally covering $1,095
Towards closing costs something
other loan officers and lenders
will charge you for...
Consider it my way of saying thanks for choosing to work with me and helping
you start your homeownership
or refinancing journey with a little
extra peace of mind and savings.
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Justin, That Mortgage Guy | NMLS #1301372
435-710-2930
Loan Factory NMLS #320841
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Justin, That Mortgage Guy,
LOOKING to purchase
NMLS# #1301372