What we offer:

New Home Purchases

. Programs for first time home buyers include:
     . 3% down loans
     . With great credit we can offer 100% financing
     . Great credit can get you an 80-15 loan that
        will avoid mortgage insurance.

. Planning to out grow your home or move in the next 3 to 5 years check out our 3/1 or 5/1 Arms.
. Finally ready for that dream home check out our wide range of programs for you from small loans to jumbo loans we can help you.

Refinancing top

. Simple rate and term program - want a lower interest rate, lower monthly payments or maybe you want to pay off your home sooner - Our rate and term program could be for you.
. Cash Out Program - want to consolidate debt, pay off a second mortgage or add some home improvements - Our cash out refinance program could be for you.
. Fast and Easy Programs - with great credit we can do limited documentation, no appraisal loans - same low rates, its fast and easy.

2nd Mortgages top

. Add a second mortgage or line of credit to avoid mortgage insurance or accelerate consolidation of debt. We can save you money if you do this at the same time you refinance your first mortgage.

1 - Straight talk
2 - Best Interest Rates and Programs
3 - Experience
4 - Fast and Friendly Service

Our History and Background
Family owned and operated. Our senior loan officer has been writing loans in Utah since 1976. A&R Financial has helped over 5,000 home owners in Utah with their home lending needs. Total amount of loans written is well over $5,000,000. Our loans amounts range from $50,000 to $2,000,000.

Special Programs for those who are self employed, fixed income or recent job changes and much more. Give us a call!