Se habla Español! I have been a Mortgage Lender and Planner for over 35 years and my expert advice will get my clients the best loan they can qualify for. I also teach Realtors about Financing and Marketing. I am a #HomeLoanExpert. I have the wealth of knowledge and expertise will help you tailor your financing to your unique lifestyle and goals. With me, you can expect an authentic experience defined by honesty, integrity, and fun. Whether you're buying your dream home, refinancing your current home, or buying your first home, you deserve the experienced and personal touch that I can deliver with your transaction.  My professional services is founded on showing his clients how to use real estate financing to create long term wealth and financial security. I teach Real Estate CE Courses on Financing, Technology, and Social Media Marketing.   I am the "Fun Grandpa" to 11 amazing grandchildren. I love Tennis, Snow Skiing, Water Skiing, Hiking, Outdoor Concerts, and Fun Family Activities. Someday I would love to learn how to finally play golf.



Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés.  Le sugerimos que trabaje con un intérprete de su elección. Podrá encontrar más información sobre el proceso de préstamo en español en https://www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/

VP of Mortgage Lending

Marc Johnson is your Sandy local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Marc is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Marc at (801) 792-7777 for more information!

Marc Johnson at Rate (NMLS #217471)

I am married to Alvina Hardy for the last 22 years and we have 6 kids and 2 grandkids. I have been in the mortgage industry since 2002 in several capacities from Wholesale to Retail. I love to serve families while they are in the process of obtaining their greatest financial asset and start to build their financial portfolio. When I am not working you can find me coaching fastpitch softball, baseball or football or on the golf course. My passions include watching my kids play sports, sports on TV, or playing sports with my family and spending time with my wife and kids.

My name is Nick Hardy. I have been in the mortgage business since 2001. I have been a wholesale account executive, mortgage banker, mortgage broker and retail loan officer during that time.  
I enjoy originating all types of loan files from lot and construction to first time home buyers and working with investors.  
I am a proud husband, father and grandfather. I enjoy golfing, coaching high school sports and watching all sports in my free time.

AVP of Mortgage Lending

Nick Hardy is your Sandy local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nick is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nick at (801) 724-7382 for more information!

Nick Hardy at Rate (NMLS #825795)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Producing Branch Manager

Bruce Warburton is your Sandy local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bruce is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bruce at (801) 563-2866 for more information!

Bruce Warburton at Rate (NMLS #278339)

Jelaire Christensen is your Sandy local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jelaire is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jelaire at (801) 743-4955 for more information!

Jelaire Christensen at Rate (NMLS #218019)

Tiffany Ngo is your Sandy local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tiffany is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tiffany at (801) 617-1170 for more information!

Tiffany Ngo at Rate (NMLS #314757)

Jeffery Stanton is a dedicated husband, father of two boys, and a proud native Californian who has called Utah home for the past 29 years. Married to his beautiful bride, Liz, Jeffery has built a life centered around family, hard work, and a passion for his career.  
With over 25 years of experience in mortgage banking, Jeffery is recognized as an expert in mortgage origination, offering deep knowledge and expertise to those looking to navigate the home financing process. His long tenure in the industry has equipped him with invaluable insights and a commitment to providing top-tier service to his clients.  
When he's not helping people achieve their homeownership goals, Jeffery enjoys spending time with his family in the great Utah outdoors and staying connected to the community that has supported him over the years.

SVP, Producing Regional Manager

[Jeff]]  is your  local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jeff is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact  at  for more information!

Jeff Stanton at Rate (NMLS #225700)

Scott LeRoy is your Sandy local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Scott is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Scott at (801) 607-9830 for more information!

Scott LeRoy at Rate (NMLS #278611)

Daysi Mendoza is your Sandy local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Daysi is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Daysi at (801) 525-2167 for more information!

Daysi Mendoza at Rate (NMLS #1678641)

Sandy

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9 Loan Officers Sandy, UT