Loan Types

Ogden Mortgage Loans offers the following types of mortgage loans for both purchase and refinance mortgage loans:Types of Loans we fund are:

  • Conventional Loans (Fannie Mae & Freddie mac) – Low Down Payment Options – 5%, Not
    • High Balance Conforming, All counties
    • First Time Home Buyers
  • FHA Loans (Minimum 580 credit score) –  FHA Purchase Loans, FHA Refinance, FHA Cash-out, FHA Streamline Loans
  • VA Loans (100% Financing) (Minimum 500 credit score) – VA Purchase Loans, VA Cash-out, VA IRRL Loans
  • USDA Loans (100% Financing) – USDA Rural Development – Purchase & Refinance Loans
  • Jumbo Loans – Up to 10 Million Loan Amounts
  • Reverse Mortgage Loans (Age 62+) – Purchase & Refinance, Cash-out, 
  • Non-QM Mortgage Loans – Self-Employed, Investors, Full Doc W2 Employees, (Good Credit or Dinged or damaged credit).
  • Bank Statement Loans / Self-Employed & Commission Income – 12 or 24 month average of deposits into your business or personal bank account for your income.
  • Investor DSCR Loans


We Fund mortgages for the following purposes:

  1. Purchase Loans
  2. Refinance Loans
  3. Cash-out / Debt-Consolidation Loans

We lend in all areas of Utah. We are headquarted in Ogden, Utah.

Our parent company is Mortgage Miracles Happen, LLC, – and lends in multiple states – Licensed states that Mortgage Miracles Happen lends in.

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