Mortgage Miracles Happen

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We have more loan options more then your local banks and credit union offers. we are fast,efficent and excellent service and experience in mortgage lending to public.

Mortgage Miracles Happen is a mortgage broker for residential home loans in Alaska, Arizona, Colorado, Florida, Idaho, Texas, Utah, Wyoming for home loan financing of Conventional, FHA, VA, USDA, Jumbo, Reverse mortgages, Non-QM Mortgage loans.

Our headquarters is located in Ogden, Utah.

Online Technology

We use online technology to be efficient and to simplify the loan process for our clients and our staff. We have online pre-qualification, online document uploading and storage that is easy for our clients. This translates into shorter time-frames and lower costs.

Speed

We work fast and our underwriting lenders underwriting departments move quick! We are able to close loans in 12 to 20 days. Some loans can be quicker and some take longer, but our average is 2 ½ to 3 weeks from start to finish.

Low Cost Loans

With having low over-head, we pass the savings on to each of our clients. We have relationships that we work with the top mortgage banks in the country that offer the top tiered pricing to mortgage brokerage companies. These two items gives us a competitive advantage over other mortgage companies and other banks and credit unions.

Superior Service

We want to be your mortgage lender of choice! Our efficient and personable team at Mortgage Miracles Happen is one that you can count on for your financing. Customer service is critical to us. We strive for high customer satisfaction. We strive to exceed the expectations of our valued clients and employees. Getting a client a loan and a great rate is not enough for us, yet they are critical. We strive to provide exceptionally high level of service to every client so they are happy through the entire process. We bend over backwards to help people through one of the most grueling experiences in today’s tough economic world.

LOAN OPTIONS – CHOICES FOR OUR CLIENTS CHOICES FOR OUR CLIENTS

MANY MORE LOAN OPTIONS

We offer more loan choices than the banks and credit unions offer.

 

We offer the following loan types: 

Conventional Loans, FHA Loans, VA Loans, USDA Loans, Jumbo Loans, Reverse Mortgage Loans, Non-QM Mortgage Loans.

Many times we can help a client with their loan because we have many more lenders we work with and a broader choice of loan options to offer with our vast array of lending options. 

What Our clients says about us

Ryan Sonognini
Ryan Sonognini
2019-09-29
Ben made our buying experience painless. He told us he would save us a lot of money and he did! We also had a very tight deadline for the loan and he was able to pull that off.
lynn bernhard
lynn bernhard
2019-09-29
Ben has helped me twice. Each time was an amazing experience. Fast, responsive, professional
SLL Resources
SLL Resources
2019-04-08
Ben was recommended by our realtor and I'm so glad we went with his service. Our experience was great because: (1) Ben was there for us and super responsive throughout the process, from showing up to look at multiple houses with us to calling sellers agents to advocate for us to taking care of all the mortgage paperwork and being patient to explain the details to this newbie. And he had all the processes and paperwork set up efficiently and digitally so there weren't any hitches. (2) Being a first-time homebuyer made me feel very vulnerable generally, so I especially appreciated feeling like I could rely on Ben -- that he was honest and capable and would know what to do when and lead us through the process and get things done the right way the first time and for our benefit. (3) Trust was rewarded when everything went well with the loan. We got what other people tell us is a great interest rate and impressively low closing costs, and that despite there being some atypical aspects to our situation. And it all got done in just 18 days from offer to settlement. I'm very pleased and thankful.
Lilah Carrillo
Lilah Carrillo
2019-02-23
Ben went above and beyond. He did so much to help us and even more than I could have ever expected and helped us get into the perfect house for us in an amazing amount of time.
Becky Harvey
Becky Harvey
2019-02-18
Troy Erickson
Troy Erickson
2019-02-17
As a Real Estate agent I have worked with Ben on several loans with buyers and he has done an excellent job and have also closed on the loans early.
Cheyenne Coronado
Cheyenne Coronado
2019-02-17
I never thought I could own a home it was a dream for me and my family. Ben Gerritsen made it possible, he was there for us whenever we needed him. He educated us in how to own a home, what steps were needed to make it possible. I recommend him to everyone I meet, that wants to buy a home. Thank you Ben for everything
Becky Okey
Becky Okey
2019-02-15
The service I received was above and beyond what your typical loan officer would give you and I was able to get the best deal on the market. Super impressed. Would recommend to anyone!
Holly Jones
Holly Jones
2019-02-14
Ben Gerritsen is absolutely AMAZING! Mortgage Miracles Happen truly is a miracle!!! Because of Ben and his amazing work I was able to get into a home with very little $$$, he even helped me receive a grant for down payment/closing costs! Ben truly cares about his clients, he was there every step of the way during the entire process. I HIGHLY RECOMMEND Ben and his team! If I could give 10 stars 🌟 I would! If you are in the market to purchase or refi, you cannot find a more honest and caring team to help you! Thanks Ben!!!
Dallas Johnson
Dallas Johnson
2019-02-14
Ogden Mortgage Loans was great to work with. They were very responsive whenever I called or needed information. The most important for me was they delivered on the interest rate they promised. No fuzzy numbers. Straight up and honest.

Mortgage Loans by Mortgage Miracles Happen

Conventional Mortgage Loans

FHA Mortgage Loans

VA Mortgage Loans for Veterans

USDA Mortgage Loans

Jumbo Mortgage Loans

Non-QM Mortgage Loans

Reverse Mortgage Loans