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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: http://www.nmlsconsumeraccess.org/

Reviews (8)

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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.


Great Service!

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After shopping rates and sending out questions to multiple lenders, Becky was by far the most responsive and was able to get me the best rates. Her proactiveness throughout the process is what I enjoyed the most. I never had to call her and check up on anything concerning my loan as she always made me aware of what was going on. The whole process from start to finish was approximately 3 weeks and went very smooth. The "No Cost" refinance not only didn't have any hidden fees, but conversely, I actually got a rebate at closing of close to $500 (I'm now $500 richer than I started prior to the refinance). I'd recommend her to anyone who's looking for a credible, knowledgeable, trustworthy, and proactive person.


None better than Becky Holmes

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My husband and I feel so fortunate to have had the opportunity to work with Becky. We were referred to her by a family member who is very "thorough" when it comes to selecting companies and individuals for hire. So going into the refinance we were very confident in her skills. After talking with her, she exceeded our expectations and we knew we had found an extremely helpful and truly knowledgeable broker. The process was as smooth as could be from beginning to end. We felt comfortable talking with her and were grateful for her honesty and straightforwardness. We saved so much money on this refinance and could not have been more pleased with the outcome. We will be using Becky and Advantage Lending for any and all of our future lending/mortgage needs! We can never thank you enough Becky ~ Eric and Brittany C.

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