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For 20 successful years, partners Scott Asbell, Dave Barton, and Larry Fry operated Rocky Mountain Mortgage. In July 2017, they announced the opening of Mountain West Mortgage as an affiliate branch under American Pacific Mortgage Corporation. This new alliance allowed us to greatly expand our ability to serve you, your families, friends, and co-workers not only here in Utah but throughout the western United States including Hawaii, Alaska, and Florida.

The benefits to you are many: additional loan options and programs, bridge loans, options for those with lower credit scores, new construction lending options, more Jumbo loan options, and Expanded Access programs such as a Bank Statement program for self-employed clients, traditional loan programs such as FHA, VA, USDA plus so much more!

Additionally, we’ve made significant upgrades to our infrastructure including mobile applications and document uploading options, website enhancements, social media connectivity, and better overall tools to simplify and speed up the loan process.

Our commitment to the relationship has not changed and we are so grateful for your support and friendship over the past 20 plus years and look forward to many more of being able to help and assist you and your family.

Please continue to watch for details in upcoming emails, newsletters, and correspondence about our client events and appreciation parties and we look forward to continuing to serve you.

Remember it is not just business, it is a relationship!

Mountain West Mortgage (principals formerly with Rocky Mountain Mortgage Group) is based out of Utah and part of the American Pacific Mortgage Corporation family. With eight loan officers totaling more than 200 years in the business, we believe building a relationship with the client is the most important part of the process. We work on a referral only basis which means 100% of our business comes from clients who introduce us to family members, co-workers, and friends that need our help.

We are committed to delivering such an outstanding mortgage experience that you can’t help but tell others about us. You are our best investment.

Our Team

Welcome to Mountain West Mortgage!

Here you will find a team of some of the brightest and most grounded mortgage professionals in the country.  Each has his or her own strengths and areas of expertise along with years of mortgage experience.  This is a team you can trust!  This is a team that does not “practice” on its clients; we know what we’re doing and use that knowledge to help solve problems and reach your goals.

The Dave Barton Group

Dave
Dave Barton
NMLS #229113

 

Mortgage Consultant
801.376.3130 (cell) / 855.488.4588 (efax)
dave@mwmortgage.com
Licensed in UT, WY

 

 

 

Christy - Photo
Christy Shapiro
NMLS #265384

 

Loan Processor
801.658.4407 (office) / 855.488.4588 (efax)
christy.shapiro@apmortgage.com
Licensed in UT

 

 

The Julie Mackay Group

Julie Mackay - Color
Julie Mackay
NMLS #270855

 

Mortgage Consultant
801.319.0011 (cell) / 855.488.4588 (efax)
julie@mwmortgage.com
Licensed in UT

 

 

 

Robin - June 2018
Robin Rhoads

 

Marketing Assistant
r.rhoads1@outlook.com

 

 

 

Christy - Photo
Christy Shapiro
NMLS #265384

 

Loan Processor
801.658.4407 (office) / 855.488.4588 (efax)
christy.shapiro@apmortgage.com
Licensed in UT

 

The Kerry Graves Group

img_6234-use-this.jpg
Kerry Graves
NMLS #362934

 

Mortgage Consultant
801.400.6382 (cell) / 855.488.4588 (efax)
kerry@mwmortgage.com
Licensed in UT

 

 

 

Christy - Photo
Christy Shapiro
NMLS #265384

 

Loan Processor
801.658.4407 (office) / 855.488.4588 (efax)
christy.shapiro@apmortgage.com
Licensed in UT

 

 

 

The Larry Fry Team

Larry
Larry Fry       NMLS #270858

Mortgage Consultant
801.362.9134 (cell) / 855.585.3234 (efax)
larry@mwmortgage.com
Licensed in UT

 

 

 

Greg
Greg Wilber
NMLS #1082613

 

Mortgage Consultant
801.310.7451 (cell) / 855.585.3234 (efax)
greg@mwmortgage.com
Licensed in UT

 

 

 

Jody
Jody Taufer
NMLS #2701861

 

Loan Officer Assistant
801.658.4414 (office) / 855.585.3234 (efax)
jody@mwmortgage.com
Licensed in UT

 

 

 

 

Christy - Photo
Christy Shapiro
NMLS #265384

 

Loan Processor
801.658.4407 (office) / 855.488.4588 (efax)
christy.shapiro@apmortgage.com
Licensed in UT

 

 

 

The Patrick Croghan Group

Branch Manager / Mortgage Consultant
801.592.9693 (cell) / 855.585.3234 (efax)
patrick@mwmortgage.com
Licensed in UT

NMLS #303756

Christy - Photo
Christy Shapiro
NMLS #265384

 

Loan Processor
801.658.4407 (office) / 855.488.4588 (efax)
christy.shapiro@apmortgage.com
Licensed in UT

The Scott Asbell Team

Scott Asbell 2-2013 Small
Scott Asbell   NMLS #270856

 

Mortgage Consultant
801.368.2900 (cell) / 855.706.5574 (efax)
scott@mwmortgage.com
Licensed in UT

 

 

 

Kristen Moyes - USE THIS - Nov2017
Kristen Moyes NMLS #278116

 

 

Loan Officer Assistant
801.658.4421 (office) / 855.706.5574 (efax)
kristen@mwmortgage.com
Licensed in UT

 

 

Christy - Photo
Christy Shapiro
NMLS #265384

 

Loan Processor
801.658.4407 (office) / 855.488.4588 (efax)
christy.shapiro@apmortgage.com
Licensed in UT

Loan Options

  • Conventional – Conventional loans may be conforming or non-conforming. Conforming loans have terms and conditions that follow the guidelines set forth by Fannie Mae and Freddie Mac. These two stockholder-owned corporations purchase mortgage loans complying with the guidelines from mortgage lending institutions, then package the mortgages into securities and sell the securities to investors. By doing so, Fannie Mae and Freddie Mac provide a continuous flow of affordable funds for home financing that result in the availability of mortgage credit for Americans. Fannie Mae and Freddie Mac guidelines establish the maximum loan amount, borrower credit and income requirements, down payments, and suitable properties. Fannie Mae and Freddie Mac announce new loan limits every year.
  • FHA – The Federal Housing Administration (FHA), which is part of the U.S Department of Housing and Urban Development (HUD), administers various mortgage loan programs. FHA loans have low down payment requirements and less stringent requirements than many conventional loans.
  • VA – VA loans are guaranteed by the U.S Department of Veterans Affairs. The guarantee allows veterans and service persons to obtain home loans with favorable terms, usually without a down payment. The U.S Department of Veterans Affairs does not make loans, it guarantees loans made by lenders. VA determines your eligibility and, if you are qualified, VA will issue you a certificate of eligibility to be used in applying for a VA loan.
  • USDA – USDA and Rural Housing loans are guaranteed by the U.S Department of Agriculture. These guaranteed loans are offered to rural property owners. The guaranteed loan is offered to rural property owners within a specific area determined by the USDA. No down payment is required and 100% of the property value can be financed. (Investment properties are not eligible.)
  • Jumbo/Non-conforming – Loans above the maximum conforming loan amount established by Fannie Mae and Freddie Mac are known as “jumbo” loans. Because jumbo loans are bought and sold on a much smaller scale, they often have a little higher interest rate than conforming, the spread between the two varies with the economy.
  • Bridge loans – Bridge loan may enable a borrower to take equity from their current owner occupied home (“Departing Residence”) that is Pending Sale and use the funds to purchase an owner occupied home (“New Purchase”).
  • Expanded Access (Bank Statement for self-employed clients) – With our Expanded Access/Bank Statement Program, you can get qualified based on your bank statement income. Contact me today to learn more!
  • Construction – Coming Fall 2018

Contact Us

Have questions? Please let us know!