About Dan Munford
I'm Dan Munford, a mortgage professional at Rate with 34 years of experience helping homeowners, buyers, and investors navigate the mortgage process with confidence. I believe getting a home loan should feel personal, clear, and stress-free — not transactional. I've built my career helping homeowners, buyers, and investors navigate mortgages with confidence. While I have access to the full range of mortgage products available in today's market, my focus has never been on how many loans I close — it's on how well each client is taken care of. This housing market is unique. From first-time homebuyers, to growing families, to investors, every situation requires thoughtful strategy, local knowledge, and honest guidance. That's what I provide. I work with people who want more than a rate quote — they want someone who will explain their options, anticipate challenges, and stay involved from application to closing and beyond. No hand-offs. No call centers. Just direct access to me and a process built around your goals. If you're looking for a mortgage lender who values relationships, communication, and long-term trust over volume, you're in the right place. I'm here for you — before, during, and long after your loan closes.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 9350 South 150 E., Suite 525 Sandy UT, 84070
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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