ClearPath Utah | About Us
Your Path to a Home You’ll Love Starts Here
At ClearPath Utah, we believe that every family deserves more than just a mortgage—they deserve a guide who understands that homeownership is about creating the foundation for life’s most meaningful moments.
Whether you’re dreaming of hosting holiday dinners in your own dining room, watching your children grow up in a backyard they can call their own, or simply having a place where you truly belong, we’re here to make that dream your reality.
Ready to begin your journey?
Our Mission: Simplicity, Clarity, and Confidence in Homeownership
ClearPath Utah exists to make the mortgage process simple, stress-free, and clear. We’ve seen too many families lose time, money, and peace of mind navigating a system that feels designed to confuse rather than clarify. That’s why we’ve dedicated ourselves to a different approach.
Every family deserves a home without wasted time, confusion, or costly mistakes. We believe in small, confident steps that lead to big milestones: from that first conversation about possibilities, through pre-approval excitement, offer acceptance celebration, and finally to the keys-in-hand moment on closing day.
Our mission isn’t just about getting you approved—it’s about ensuring you feel confident and informed every step of the way. Because when you understand your path clearly, you can focus on what really matters: envisioning the life you’ll build in your new home.
More Than Mortgages—It’s About People and Possibilities
We understand that a home isn’t just an investment or a place to sleep—it’s the backdrop for your life’s most important chapters. That perspective shapes how we approach every client relationship, ensuring that your mortgage process serves your larger vision for the life you want to create.
When you work with ClearPath Utah, you’re not just getting a loan officer. You’re partnering with people who understand the value of lifestyle, memories, and security—not just numbers on a loan document. Because at the end of the day, this isn’t about closing another loan. It’s about opening the door to your family’s next adventure.
Why Families Choose ClearPath Utah
When you’re making one of the biggest financial decisions of your life, the lender you choose makes all the difference. Here’s what sets ClearPath Utah apart from banks and other mortgage companies, and why our clients consistently tell us they wish they’d found us sooner.
1 – Clarity at Every Step
No confusing jargon, no surprise fees, no wondering what happens next. We translate complex mortgage processes into clear, understandable language. You’ll always know where you stand, what’s needed from you, and when to expect the next update.
2 – Access to Hundreds of Lenders Working for You
While a bank can only offer you its own shelf of loan products, we work behind the scenes, shopping rates and programs from hundreds of lenders so you can see the strongest options your situation actually qualifies for — laid out side by side, in plain English. This means you get options that banks simply can’t provide, and the competitive advantage of having an entire marketplace working in your favor instead of being limited to one institution’s offerings.
3 – Some of Utah’s Lowest Fees
We pride ourselves on transparent, competitive pricing from day one. You may occasionally find another lender willing to drop their price to match ours, but doesn’t that tell you everything you need to know? If they weren’t offering you their best deal upfront, did they really have your best interests at heart to begin with? We believe in honest pricing from the start.
4 – Your Mortgage Partner for Life
Our relationship doesn’t end at closing day. We continuously monitor market conditions and stay current on rates, always watching for opportunities that could save you money. If rates drop significantly or new programs become available that could benefit your situation, we’ll reach out to let you know. You’re not just a client—you’re a partner, and we’re committed to your long-term financial success.
Meet Kelly, Your Mortgage Partner
Hey there, I’m Kelly! I know that getting a mortgage can feel overwhelming, impersonal, and honestly, a little nerve-wracking. That’s exactly why I do things differently.
Communication You Can Count On
Here’s my promise: You’ll never wonder what’s happening with your loan. I’ll keep you in the loop every step of the way—good news or challenges, you’ll always know where we stand. Call or text me? I’ll get back to you quickly. No more feeling like you’re being annoying by asking for updates. This is YOUR journey, and you deserve to feel informed and supported throughout.
More Than Just Numbers
Yes, I’ll get you incredible rates and the best terms possible—that’s a given. But what matters most to me is understanding YOUR story, YOUR goals, and YOUR dreams for your family’s future. This isn’t a transaction; it’s about building a relationship and fighting for what’s best for you. I’ll take the time to explain your options clearly (first-time buyer or seasoned pro), answer every question thoroughly, and make sure you feel confident in every decision.
Hey neighbor! I’m Kelly and I am your Utah mortgage guide! I will make sure you feel confident and informed on your mortgage journey.
The Experience You Deserve
My clients often tell me I make them feel comfortable, valued, and like they’re my favorite client (spoiler: you all are!). I bring positive energy, genuine care, and a sense of humor to what can be a stressful process. My goal is simple: make you feel heard, keep you informed, and deliver results that exceed your expectations.
When I’m not helping families achieve homeownership, you’ll find me skiing Utah’s slopes, mountain biking trails, or traveling with my family. I believe in living life to the fullest, and I bring that same passion and attention to detail to every client I serve.
Let’s do this together.
Whether you’re buying your first home, growing your family, or refinancing, I’m here to be your trusted partner, advocate, and guide through every step.
Ready to Take the Next Step?
Your dream home is closer than you think. The path from where you are now to holding your new house keys doesn’t have to be complicated, stressful, or confusing. With the right guide and a clear process, it can actually be one of the most exciting and empowering experiences of your life.
At ClearPath Utah, we’ve helped hundreds of families transform their homeownership dreams into reality. We’d love to help you write the next chapter of your story.
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Frequently Asked Questions
Get answers to the most common questions Utah home loan seekers ask when trying to find their mortgage person.
1. What's the difference between working with a mortgage broker like ClearPath Utah versus going directly to a bank?
When you go to a bank, you’re limited to whatever loan products that specific institution offers—it’s like shopping for a car at only one dealership.
As a mortgage broker, we shop hundreds of lenders on your behalf, comparing rates, terms, and programs to find the right fit for your situation.
Banks can only offer you their products; we can offer you the entire marketplace. Plus, our fees are often lower than what banks charge, and we’re not trying to sell you additional banking products or services.
2. How do mortgage brokers make money, and will that affect my rate or fees?
Transparency is crucial here. We are paid a commission by the lender you choose, similar to how a real estate agent is paid by the seller.
This means our interests are aligned with yours—we only get paid when you successfully close on a loan you’re happy with.
At ClearPath Utah, we maintain some of the lowest fees in Utah and are upfront about all costs from day one.
Unlike some lenders who start high and negotiate down (proving they weren’t looking out for you initially), we lead with our best pricing.
3. How do I know I'm actually getting the best rate available?
This is where our hundreds of lenders network becomes your competitive advantage. We don’t just check a few options—we systematically shop the marketplace to ensure you’re seeing the most competitive rates and terms available for your specific credit profile and loan scenario.
We provide you with a clear comparison of your best options so you can see exactly what’s available and make the choice that fits your life and needs.
We’ll give you our expert guidance and recommendations, but ultimately you get to choose the loan program and interest rate that feels right for your situation. You’ll never wonder “what if” because we’ve already done the comprehensive shopping for you.
4. What fees should I expect, and how do you keep costs transparent?
At ClearPath Utah, we believe in clarity at every step, especially when it comes to costs. We provide a detailed breakdown of all fees upfront—no surprises, no hidden costs discovered at closing. Our fees are among the lowest in Utah, and we’ll walk you through exactly what each fee covers and why it’s necessary.
If another lender suddenly drops their price to match ours after initially quoting higher, ask yourself: why weren’t they looking out for your best interests from the beginning?
Lender Charges:
- Origination Fee: An administrative fee from the lender, typically 0.5% to 1% of the loan amount.
- Application Fee: A charge to process your loan application.
- Underwriting fee: A fee for the lender’s review and verification of your financial information.
- Mortgage points (or discount points): An optional, upfront fee paid to the lender in exchange for a lower interest rate. We will guide you, but you will decide if you want to buy-down the mortgage rate or not.
- Credit report fee: Covers the cost of pulling your credit report.
- Upfront mortgage insurance premium (MIP): Required for FHA loans if that is the loan program you choose.
- VA funding fee: Required for loans for veterans for VA loans.
Third-party service fees
- Appraisal fee: A fee paid to an independent appraiser to assess the home’s value.
- Title search fee: Covers the cost of reviewing historical records to ensure a clear title.
- Title insurance: Required insurance that protects the lender and the owner against future claims or ownership disputes. There is a lender’s policy and an owner’s policy.
- Escrow fee or closing fee: Paid to the title company or escrow agent who manages the closing process and funds.
- Home inspection fee: Paid to a professional inspector to evaluate the property’s condition.
- Survey fee: (Sometimes is required) Covers the cost of a survey to verify the property’s boundaries.
Prepaids
- Homeowners insurance premium: The first year’s premium is usually paid at closing.
- Property taxes: Taxes covering the period from the closing date to the first mortgage payment.
- Prepaid interest: Interest on your loan that accrues between the closing date and your first mortgage payment.
- Initial escrow deposit: Funds to start your escrow account, which holds money for future property tax and insurance payments.
- Homeowners association (HOA) fees: If applicable, an upfront or prorated fee for properties within an HOA.
Other costs
- Government recording fees: Fees paid to state or local government for legally recording your deed and mortgage.
- Transfer taxes: Taxes paid when the property changes hands.
5. How long does the mortgage process typically take, and how will I know what's happening when?
Most loans close within 25-35 days, but the timeline depends on several factors including property type, loan program, and how quickly documents are provided.
When time is critical we can compress the process — but that requires a coordinated effort where you and your real estate agent move as fast as we do, and we’ll tell you honestly at the start whether your file can carry it.
What sets ClearPath Utah apart is our proven process that breaks everything into clear, manageable steps. You’ll never wonder what’s happening or what’s needed next—we communicate proactively throughout the entire journey, celebrating milestones like pre-approval and clear-to-close along the way.
Whether you’re working with a standard timeline or need an expedited closing, you’ll always know exactly where you stand and what comes next.
6. What happens if interest rates drop after I lock my rate?
This is one of the most common concerns, and it’s why our relationship with you extends far beyond closing day. While rate locks protect you if rates rise, most lenders walk away after closing if rates drop.
At ClearPath Utah, we continuously monitor market conditions even after your loan closes. If significant rate improvements become available, we’ll proactively reach out to discuss whether a refinance could benefit you.
We’re your mortgage partner for life, not just for one transaction.
7. Do you really stay in touch after closing, or is that just marketing talk?
This is where many mortgage professionals disappoint clients—they disappear after closing. At ClearPath Utah, we mean it when we say we’re your mortgage partner for life. We systematically monitor rate trends and stay current on new loan programs.
When opportunities arise that could save you money or improve your financial position, we reach out. Our clients regularly tell us they appreciate getting a call about refinancing opportunities or rate improvements rather than having to wonder if they’re missing out on savings.