Types of Mortgage Loans we offer

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

Ben Gerritsen is the principal Lending Manager for Mortgage Miracles Happen. Ben has been a mortgage loan officers for nearly two decades. Ben has the experience in helping many people with the purchase and refinances of their homes. We fund the following loan types:

• Purchase, Refinance, Cash-out Loans & Debt Consolidation Mortgage loans

• Conventional Loans (Fannie Mae & Freddie Mac Conventional Loans – purchase & Refinance & cash-out refinance)
• Home Improvement Loans (Rehab Money) – Conventional Loans

• FHA Loans ( FHA purchase & FHA Refinance & FHA cash-out refinance).
• FHA 203-K Rehab Loans – Rehab / Construction money with an FHA Loan – If you are buying a house that needs some rehab, then a 203-K loan is the perfect loan product in today’s market.
• FHA 203-K Rehab Loans – Rehab / Construction money with an FHA Loan – For Existing Homeowners – Refinance to Rehab & get the Construction money to do improvements to your property with an FHA Refinance Loan.

• VA Mortgage Loans ( VA Jumbo Loans & VA Refinance (VA IRRL Loan)VA cash-out refinance).

• Reverse Mortgage Loans (HECM mortgage), Reverse Mortgage Refinance loan (HECM Reverse) and HECM Purchase loan to buy a house (purchase) using a Reverse Mortgage loan for seniors, age 62+, Never have a mortgage payment as long as you live in the home.
• JUMBO Loans

Non-QM Loans

• 1 day since bankruptcy, 1 day since Foreclosures,
• W2 employees – use W2’s, tax transcripts not required on Non-QM Loans.
• Self-Employed – Bank Statement deposits can be used for income verification for Self-Employed borrowers.
• Foreign National loans
• Loan amounts up to 2 million USD.
• Owner Occupied
• 2nd Homes
• Investment property loans

 

• Hard money Loans (Purchase & cash out) (Residential, Commercial & Land / Lots).
• Commercial Loans (Commercial Purchase Loans, Commercial Refinance Loans, Commercial cash-out refinance Loans, Commercial conventional Long Term Financing, Commercial Hard Money & Commercial Bridge loans).

“These materials are not from HUD or FHA and were not approved by HUD or a government agency.” (ML 2014-10). We provide the customer service of a local neighborhood mortgage broker and we have the strength of being a large lender.