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Contact Me
I am here to assist you. Feel free to contact me with any financial questions.
801.628.4101
512 E Winchester Street
Murray, UT 84107
Russ Cottam
Mortgage Professional
Welcome to my website! I know that each client has unique needs and goals, so I strive to meet those specific needs with a wide array of mortgage products and investment tools. Best of all, I can provide best-in-class customer service and individual attention.
I pride myself on not only having great rates and a full spectrum of mortgage products. By effectively communicating your options and the progress of your loan, you will have less stress and a great experience while I serve you.
Because every client likes to work in different ways, I offer you the option of working with us in-person, over the phone, or via email and fax.
Today’s technology is providing a more efficient work environment. For example, through my website you can submit a complete on-line, secure loan application to start the qualification process. You may also evaluate your different financing options by using interactive calculators and going over various mortgage scenarios.
Feel free to browse around my site, learn more about the world that we enjoy working in every day, and I’ll be here to answer your questions and start the process of getting you the best mortgage for your needs when you’re ready!
Buying
Buying a home is one of the largest purchases you will ever make. It is important to trust your lender to not only provide competitive rates but also provide you the correct advise and guidance for a smooth and timely loan closing.
There are many loan programs that you can chose from depending on your down payment desires and abilities.
We can also help with investment property purchases up to 4-units. Down payment and reserve requirements are higher depending on the number of units the property has the number properties owned.
Refinancing
Possible Benefits of Refinancing
• Keep your payments stable with a
fixed-rate loan
• Lower your interest rate
• Get cash out from your home’s equity
• Consolidate debt
Refinancing your mortgage could let you lower your monthly payment, reduce your interest expense or get a loan with a fixed interest rate and payment. If you’ve been waiting to take advantage of those opportunities because you feel uncertain about the process to refinance, we have specific steps to help you along the way.
Credit
The most important thing you can do is make sure you pay your bills on time. Your creditors usually will report a late on your credit if your payment is not received before 30 days after the due date.
Utilities, rent, medical bills and insurance do not typically report monthly on your credit. They only time they will report on credit is if you are very delinquent and they send your account to collections or get a court judgment.
Make sure you stay on top of car payments and credit card payments and of course your mortgage first.