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
  • 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.