Wholesale lending creates countless opportunities to save.

We are here for you.

What we do.

Opposed to retail mortgage lending, our loan officers are able to choose from more than ten lending partners to ensure that we find you the best rate possible in any market. Although the market may be unpredictable, our savings are not. We average almost 1% less interest than typical mortgage loans, giving you the advantage in the home buying process.

How we do it.

With a single credit pull, we are able to compare options from each partner to decipher which loan type and bank will save you the most money. This includes considering options like purchasing discount points to lower your rate, using a specific loan type rather than another, adjusting your down payment, etc. Each small step we take ensures that you are saving the greatest amount possible.

How you benefit.

It all begins with choosing Utopia Mortgage. With us, you can guarantee lower rates, more options, and only a single credit pull.

Our mission is to reinvent the home buying process to become truly stress free, while saving our clients the maximum amount possible.