ryan bolton utah mortgage
ryan bolton utah mortgage expert

(435) 275-4969

Monday-Friday 8am- 6pm MST
Saturday 10am-3pm

283 Auto Mall Dr, Suite 3

St. George, UT 84770
Loan Officer | NMLS #299717

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Ryan's app makes it so easy to apply for a mortgage!

I help people everyday get the financing they need to buy or refinance a home

I have had the privilege of helping many people with refinancing or buying a home in Southern Utah and beyond. Not only do I offer the best possible rates and terms but I enjoy helping my clients to better understand the process of getting a home loan. Let’s face it, you’re not supposed to know how all this mortgage stuff works. That’s why you have me! I have been helping families for over 23 years and I want to help you. Download my free mobile app and call me today to get started on a free review of all your lending options!

Amanda DuffAmanda Duff
15:24 23 Mar 22
I cannot recommend Ryan enough! He helped us buy our first home 6/7 yeas ago and was amazing. I couldn't find his information at first when we decided to buy our second home and started with a new loan officer somewhere else that was recommended to me. After two weeks of waiting for my pre-approval and finally finding our perfect home, this new guy told me I was SOL and wouldn't be able to get the home, which was the opposite of what he had been telling me for the last two weeks. I almost missed out on this home until I heard a radio add for Ryan, I called him at the end of business day, on the final day I had to make an offer on this home. Within 45 minutes (after 5:00) he had a pre-approval and we were ready to make an offer. He works his tail off to find the perfect loan that works for you. We just closed on our new home and its all thanks to Ryan! I will never use or recommend anyone else.
Laura WoolseyLaura Woolsey
16:01 28 Oct 21
Ryan is amazing! He is very knowledgeable and works with you to obtain the best possible terms for you. The best part about working with him is that he would respond to my questions within minutes no matter the time of day. I would recommend him to everyone. Thank you Ryan for your assistance!!!
Carole ToddCarole Todd
19:12 15 Jan 21
Ryan was always there for us, even when he was at home. He was very responsive to our calls. Very knowledgeable and professional. Would use again in a heart beat.
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FREE Credit monitoring and alerts. Set financial goals, create budgets, and track your progress. View your bank accounts, credit cards, car loans, student loans, retirement, and investment accounts in one place. Keep track of your spending to see where your money is going. Determine your mortgage readiness. Monitor the value and equity in your home. Access financial tips and best practices.

Ryan Bolton

Meet With Ryan

283 Auto Mall Dr, Suite 3
St. George, UT 84770

Contact Ryan
Monday-Friday 8AM-6PM
Saturday 10AM-3PM
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Utah Buyer & Seller Home Guides

ryan bolton mortgage expert guide for buyers

Download this buyer’s guide from Ryan Bolton. You will find plenty of resourceful tips and information for buying a home. 

ryan bolton mortgage expert guide for sellers

Listing your home? Download your free copy of Ryan Bolton’s seller’s guide with helpful information for sellers.

Active in the Community

Ryan is a great resource for information about southern Utah. Ryan Bolton moved to Southern Utah in 2005 and truly loves southern Utah. Ryan is very active in the golf community by participating as a player and assisting with local tournaments. If you have questions about Southern Utah give Ryan Bolton a call! Ryan loves talking about this place!
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ryan bolton mortgage download app to apply for a utah mortgage loan

Apply for a Loan Using Ryan’s Easy-to-Use Mobile App

As part of our commit to the modern mortgage experience we have a great app. You can do everything from apply, scan your documents, and even get an instant pre-approval letter! Built into the app is DocuSign and even a super easy and accurate mortgage calculator. All for FREE!

Mortgage Calculator

Help for Home Buyers

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Let Ryan Bolton Help with Utah Financing

Ryan Bolton is committed to quick-closings and competitive mortgage rates

ryan bolton utah mortgage helps finance home purchases
Ryan Bolton shares How Today’s Mortgage Rates Impact Your Home
Ryan Bolton

How Today’s Mortgage Rates Impact Your Home

If you’re planning to buy a home, it’s critical to understand the relationship between mortgage rates and your purchasing power. Purchasing power is the amount of home you can afford to buy that’s within your financial reach. Mortgage rates directly impact the monthly payment you’ll have on the home you purchase. So, when rates rise, so does the monthly payment you’re able to lock in on your home loan. In a rising-rate environment like we’re in today, that could limit your future purchasing power.

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ryan shares how supply and demand affects mortgages
Ryan Bolton

Supply and Demand Affect Real Estate Goals, Here Is How So

In today’s housing market, there are far more buyers looking for homes than sellers listing their houses. Based on the concept of supply and demand, this means home prices will naturally rise. Why is that? When there are more people trying to buy an item than there are making that item available for sale, that drives prices up. And that’s exactly the case in today’s housing market. So, knowing what’s happening with the inventory of homes for sale and the demand for housing is crucial for today’s buyers and sellers.

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ryan bolton mortgage utah resource and expert
First-Time Homebuyers
Ryan Bolton

Utah Homebuying: What to Budget for?

Homebuyers ask Ryan often what to expect and what to budget for when buying a home. When it comes to buying a home, it can feel a bit intimidating to know how much you need to save and where to find that information. But you should know, that you’re not expected to have all the answers yourself. There are many trusted professionals who can help you understand your finances and what you’ll need to budget for throughout the process.

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Ryan Bolton Helps with Things That Could Help You Win a Bidding War on a Home
Ryan Bolton

Utah Home Bidding Wars: Competitive Real Estate Market Utah Bidding Tips

tive! What can you do to compete in these bidding wars with other buyers? With a limited number of homes for sale today and so many buyers looking to make a purchase before mortgage rates rise further, bidding wars are common. According to the latest report from the National Association of Realtors (NAR), nationwide, homes are getting an average of 4.8 offers per sale. Here’s a look at how that breaks down state-by-state (see map below):

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Read below Ryan Bolton's answers to frequently asked questions.

There are several things that make up the costs of buying a home.  There are closing costs on top of any down payment even on loans that are 100% financing.  Things like title and appraisal fees, home owners insurance premiums, underwriting and processing fees, mortgage insurance, Home Owners Association transfer fees, agent broker fees, and points.  Depending on the rate you choose you can have reduced fees or use the rate to cover the fees.  This all comes down to how long you plan on keeping the home.  If the home is long term or move that 5 years, you are better off with the lower rate and pay the extra fees.  If less than 5 years, you are better off raising the rate to offset the closing costs.  But plan on 1-3% of your new loan amount to cover the fees for a mortgage.   Call me today and let me run the numbers for you to help you better decide what rate to fee combination works best for you and your family!

Rates are just like insurance in the sense of layering risks.  There are many risk factors that go into a qualifying mortgage rates like credit score, debt ratio, time on the job, self-employment verse w2, loan to value and many more.  Many of the rates you see advertised are the best loan rates available only to the best possible clients.  My job is to fit the best possible loan and program to my client’s needs and scenario!  And crazy as it seems sometimes the lowest rate ISN’T the best loan for a client.  Let me prove it to you!  To get a custom AND accurate rate for what you will actually qualify for, let’s talk! 

Credit scores are the starting point for just about any loan program and the higher the credit score the better! There are so many ways I have helped my clients get their credit scores up but it can take some time to starting sooner than later will ALWAYS help your file to get approved at the best possible rates! We have loans as low as a 580 credit score but sooo many loan options really kick in with a 620. Then at 660 even more open up! Knowing why your score is the way that it is and the best ways to raise your score in the shortest time can get you into a home faster! I have seen many people start to work on their credit and actually go backwards because they do it wrong! Let me help you!

There are loan programs that offer 100% financing but having a down payment can open the door to more lending options. You DON’T need 20% down and in fact this is often NOT the best way to go. Let me prove it to you with a free review of all the lending options you qualify for!

There are two types of bankruptcies most commonly a Chapter 7 or a Chapter 13.  A Chpt 13 is where you make scheduled payment back to the trustee and usually retain more of your possessions.  A Chpt 7 is different in where more of your items are forfeited and the debts discharged.  Both of these types of bankruptcies have different waiting period from when you can buy a home again but generally you will have a 2 year waiting period before you will be able to buy again without paying much higher rates and terms.  But the most important thing to work on is repairing and rebuilding your credit score.  That is were I can help!  Let’s talk today and get you on a plan to get the best possible rates and terms once those waiting periods are over!  DON’T wait until the BK is over.  Lets talk now!

There are many loan programs and each has different documentation requirements but in most cases the more proof and paperwork we can gather, the better the rates and terms. A big part of my job is to help navigate gathering the paperwork required and to try to minimize what we need and don’t need to make the experience of getting a loan as easy as possible. Let’s face it, documentation and fitting into the boxes created by regulators, underwriters, and investors is the hardest part so having me and my team in your corner can make all the difference!

We can close in as little as 10 days but out average for last year was 24 days. Most contracts are set for a 30-40 day window to also allow things like Home Inspections. This is where starting early can make a HUGE difference. Not only can we gather the paperwork needed to get a head start but we can also strengthen the file to get you the best rates and terms. I can’t tell you how many times I have seen people go under contract and have a 30 day window to close and if we would have had another 30 days to work on debts or credit scores, they could have gotten a better loan. Let’s start today!

I have had the great privilege of working with great agents and builders during my time in this field. I’ve seen them at their best and worst. If you are looking for a referral I can help but I have worked with just about everyone and love to opportunity to network with other real estate professionals!


ready to get Started? Let's get there, together.

Go ahead and get the process started. Download the app to apply. Then, call Ryan review your application. Collect and provide all the necessary documents. Then, let Ryan Bolton work his magic to get you competitive rates and fast closings in Utah.