Legacy Mortgage began in 1995. A management and slight name change in
late 2001 has brought only subtle changes to the organization. Why change the
basics of something that isn't broken.
At Legacy Mortgage, our mission statement is "Continuing a Tradition of
Excellence." By doing business in this manner, we are one of the most respected companies in the state and areas we serve. We achieved this distinction
through our great service and referrals from past clients.
One reason for our great success is the number of loan programs we offer. We offer nearly every single mortgage program for residential lending.
Our goal is to thoroughly understand the needs of our clients now, as well as
years into the future and then describe the several programs that relate best
to fulfilling those needs. Our clients choose the loan programs they want, and
base their decisions upon clearly explained advantages and disadvantages of
the appropriate program choices. We also offer state of the art underwriting.
About 90% of our loans are underwritten through automated programs which provide
you with approvals within minutes of our receiving an application. It reduces
greatly the documentation you need to furnish, it affords a greater flexibility
in programs, and saves you money.
Many of our clients are concerned about rates and fees. You will find that Legacy
will not be beat in this area. We make the claim that if we are allowed to charge
the same fees other lenders charge, we will match any rate quoted by any of
the Utah lenders. We don't pack our closing costs with "garbage fees"
used so liberally charged by other lenders. You won't find fees such as
funding fees, warehousing fees, management fees, and many others appearing at
other lenders. We often save borrowers thousands of dollars in just fees. You'll not only be pleasantly surprised,
but very appreciative of this concept.
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