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I specialize in true low fee and no fee mortgage loans. As a low overhead company, we offer some of the most competitive rates out there for Conventional, FHA, VA, and USDA loans.

Current favorite mortgage product: 5% down purchase or 5% equity refinance with no monthly mortgage insurance and no upfront mortgage insurance added to your loan or out of pocket!!!!

Does your loan officer take the time to teach you about your choices between rates and closing costs and when your breakeven point is with the different rates and types of loans?   Although the deals I get my clients are fantastic, I pride myself even more for doing what is in the best interest of my clients. I take the time to teach people about their choices and what makes sense for their individual situation and future plans. I am a licensed Mortgage Loan Officer and an Appraiser , so I am well educated in the industry and know the challenges we can face.

Credit issues:  I have worked with alot of people on ways to improve credit scores quickly.  You would be surprised what can help and hurt your credit. I am happy to help prepare you to get the best rate and pricing possible even if its 6 months down the road.  Work on your credit now so that it's ready when you need it.  

Best advise: beware of what I call "bait" offers you get in the mail.  I recently had someone looking at a refinance ask me if the rate he was offered in the mail on a 20 year loan was legit.  We took the loan amount and added in closing costs to equal the APR disclosed.  He would have never broken even over the 20 year loan for the amount of closing costs spent.  That doesn't make financial sense for anyone!  I can direct you to some great on-line calculators that compare scenarios.

Sally “Becky” Holmes


Advantage Lending Services. Equal Housing Lender. Loan officer NMLS#304805.

You may verify my information on the national mortgage licensing website:

Reviews (10)

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I have worked with Becky on three separate occasions and will definitely use her expertise in the future. Becky is honest, straightforward, and knowledgeable. In a nutshell, she is AMAZING! Whenever I had a question, Becky would promptly have an answer. She is always looking out for your best interests and made each step of the process smooth. I would HIGHLY recommend her to anyone. Thanks Becky! Tom L. Farmington, Utah

An absolute pleasure to do business with!!!

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Becky was referred to us through our realtor. We had already been in contact with one mortgage company but after briefly speaking with Becky we knew who we needed to be working with. To say that Becky is thorough would be an understatement. Through every step of the loan Becky was fundamental in making sure we understood all of our options. Any questions we had were promptly answered and explained to us in detail. In an industry were there is no tangible product customer service is paramount and Becky delivered again and again through out the loan process. It was an absolute pleasure working with someone so knowledgeable and professional as her.

Great overall experience

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I came in contact with Becky through a referral and couldn't be happier with my experience. She was very helpful from day one and continued to be supportive through the whole home-buying process. I was pleased at the level and frequency of her communication. From the beginning, she understood the unique complexities of my income situation and was able to sort through my documentation and simplify the application process. She went above and beyond in making my life easier, even assembling and verifying information that I fully expected to be responsible for doing. I feel confident in her work and expertise and have recommended her to friends.

AMAZING customer service and knowledge of industry!!

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We went to Becky two years ago to refinance our home and had a great experience! We just went to her again on our new build home, and she is just AWESOME! She is so knowledgeable,let us call her, probably 70 times with ALL sorts of questions. Looked out for US and got us a better rate, APR,& program. Beat even our builder's lender, who we thought we had to use, until she proved she could give us a program they couldn't, and she STILL beat their pricing! So if your builder says "our lender" - I'd be calling Becky first because she beat them on rates, pricing, and DEFINITELY customer service!! She broke down ALL our rate options and worked on the break even point for our closing costs on at least four different rates. She worked TIRELESSLY to make sure we were getting the best deal on our loan! We are so thrilled with her, the work that she did, & would honestly recommend her to ANYONE who really, truly wants someone on YOUR side who will work to get you the BEST option for your loan!

Mortgage Refinance

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Becky is flat out the BEST!! We searched for a long time to find the right person to go the extra mile for us and found what we looking for in Becky. A true professional, with the experience to get tough situations taken care of , in what seemed like a dead end. We believe we could not have completed what we needed done without her. We highly recommend her and look forward to using her expertise in the future. THANK YOU VERY MUCH BECKY!! ps. forgot to mention we found Becky here on KSL while in the middle of a refinance and chose to stop everything and go with Her instead, which turned out great.

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