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General Info

Mortgage Miracles Happen is a mortgage brokerage that offers a broad array of mortgage loan programs that covers a broad spectrum based on the needs of each client.  

We are a top mortgage company headquartered in Utah and lends in Arizona, Colorado, Texas, Utah and Florida.

As a mortgage broker, we have funding parnterships with mortgage banks that cover excellent credit to difficult scenarios, FHA, VA, USDA, lower credit scores. better pricing or for an underwriter guideline that other lenders don't allow.

We find the best loan for each client to get the best terms and the right lender for your loan based on each borrowers situation.

Conventional loans

  • Fannie Mae & Freddie Mac loans).
  • Elite pricing
  • Minimum 3% down payment options
  • Re-hab purchase loans - borrow up to 50% of the after repaired value, eligible for both purchase & refinance loans.

Low down payment options

  • Conventional 97% LTV purchase
  • FHA mortgage loans - (minimum 580 Fico score)
  • VA mortgage loans -  (minimum 580 Fico score)
  • USDA mortgage loans

Non-Conforming loan options

  • Jumbo Loans - up to 5 million loan amount
  • Foreign National Loans - 2nd homes & investment properties
  • Condo loans
  • High Rise Condo Buildings
  • Non-warrantable condos
  • Bank Statements used for income for self employed borrowers - 20% down payment required.

Reverse Mortgage  Loans

  • Reverse mortgage purchase loans - Buy a house with a reverse mortgage 
  • Reverse mortgage refinance loans

Low Fee's

We help structure loans that the lender pays closing costs on many loans that we do.




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NMLS id# 1289680

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