Realize Your
Dream of Home Ownership

We know that each customer has specific needs, so we strive to meet those needs with a wide array of products and investment tools from over 30 different wholesale lending partners. You don't have to sacrifice rate and price for exceptional service, let us show you the Cottonwood Lending Group difference!

Purchase

Put money down or take advantage of the many down payment assistance programs we offer. Whether you're well qualified, or have a less than perfect scenario, we've got the right program to fit your needs.

Refinance

Lower your rate and save on your monthly payment or take cash out from the equity in your home for anything from home improvements, to down payment on another home.

Apply

The online application takes around 20 minutes to complete and We can usually have an answer for you on options same day or at least within 24 hours.

Exceptionally Low Rates. Expert Advice. Call Us First!

Welcome to the official site of Cottonwood Lending Group. We are a full-service wholesale mortgage brokerage based in Cottonwood Heights, UT specializing in residential and commercial real estate financing in Utah, Texas and Florida. Whether you're buying a home or refinancing, we can help you realize your dream of home ownership or just help you save you a ton of money.

Here's a quick look at just some of the programs we offer:

- Conventional, FHA, VA, USDA and Jumbo home loans
- Home equity lines of credit (HELOC)
- SBA/Commercial Loans
- Renovation, construction and bridge loans
- Reverse mortgages
- Self employment focused loans (bank statement only, P&L only, 1 year tax return, assets as income programs)
- Foreign national and ITIN loans
- DSCR products (cashflow programs for investment homes that don't require personal income or employment)
- Low credit options down to 550
- No income required primary residence products
- Multiple down payment assistance programs
And the list goes on!..

Unsure?
Let Us Wow you

Our team has put untold effort into building partnerships with the right lenders who specialize in each niche product we need to serve every client that comes through the door. If you've heard of it we probably offer it. Not only do we have the products the other guys aren't paying attention to, but because of our unique business model, we consistantly out perform our direct lending competitors. Sometimes its not even fair so check with us before you sign anything! Many companies in the real estate lending space operate on a "Retail model" that inflates the rate and cost to pay for elaborate infrastructure and bureaucracy up and down the sales chain. We keep a tight ship and extremely low overhead compared to the capabilty we have to deliver exceptional rate, pricing and an exceptional experience.

Contact Cottonwood Lending Group today and let us show you how we're reinventing the home loan experience!

Realize Your Dream of Home Ownership

PurchasePut money down or take advantage of the many down payment assistance programs we offer. Whether you're well qualified, or have a less than perfect scenario, we've got the right program to fit your needs.

RefinanceLower your rate and save on your monthly payment or take cash out from the equity in your home for anything from home improvements, to down payment on another home.