Richard Pratt

Sr. Mortgage Consultant

NMLS# 288856

801-953-5389

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Blog Posts:

Buying a Property with Existing Tenants
VA Housing Grants for Disabled Veterans: Adapting Homes for Independence
Joint VA Loans: Combining Forces for Homeownership
Will Home Prices Drop? Understanding Real Estate Market Trends
Happy Veterans Day!
Is a 30-Year Mortgage Right for You?
Happy Halloween!
Is Now the Right Time for a Home Equity Line of Credit?
The First-Time Homebuyer's Complete Guide
Understanding Mortgage Closing Costs
VA Loans: Your Qualification Guide
A Mortgage Tax Credit That Could Save You $2,000 a Year
Does Refinancing your Mortgage Make Sense?
Why Buying a Duplex Makes Financial Sense
The Mortgage Spread is Shrinking
Tips to Get a Lower Rate on a VA Loan
Force-Placed Insurance: The Costly Mistake Every Homeowner Should Avoid
Is it Better to Buy or Rent?
Learn More about Home Renovation Loans
Explaining the Mortgage Contingency Clause
The Changing Tides of the Housing Market
Dreaming of Your Own Slice of Paradise? Vacation Home Buying Considerations
A Guide to Using a Home Equity Loan for an Investment Property
Why Some Veterans Choose Conventional Loans Over VA Loans
The Mortgage Revolution: How AI is Shaking Things Up
What's Rent-vesting and Can It Help Me Become a Homeowner?
Facing Foreclosure? Here’s What You Can Do Now
Should You Hold Out for Lower Interest Rates Before Buying a House?
More Borrowers Are Putting 20% Down - Should You?
Where Do Mortgage Lenders Get Funds for Home Loans?
What Are the Financial Benefits of Owning a Home?
Understanding VA Loan Occupancy Requirements
Why You Should Definitely Do a Pre-Settlement Walkthrough
The Pros and Cons of Buying a Historic House
5 Tips for Buying a Home When Interest Rates are High
Why Hazard Insurance Matters When You’re Buying a Home
Am I Too Young For a Mortgage?
The Pros & Cons of Buying a Foreclosure
VA Loans: Your Top Questions Answered
How to Challenge a Low Home Appraisal
Buying a House? Don't Forget About Schools!
Your Step-by-Step Guide to the Homebuying Process
How to Know If You’re Ready to Buy a Home: Key Considerations
5 Ways to Buy a Home With No Down Payment
Unlocking the Power of Home Equity
3-2-1 Buydown Mortgage Loans
Your Guide to Saving for a Down Payment
Why Your Credit Score Matters When Buying a House
Unlock Your Home’s Potential with a Fixed-Rate HELOC
FHA Gift Funds: Unlocking the Door to Your New Home
Wishing Your Family a Wonderful Holiday Season 🎄🎁 🏡
Higher Loan Limits for 2025 Announced
Non-QM Loans: Flexible Home Financing for Self-Employed & Investors
The Inside Scoop on the Top 5 Mortgage Loan Types
How Long is a Mortgage Pre-approval Good For?
Key Questions to Ask Your Mortgage Lender
Understanding Sales Price vs. Appraised Value in Real Estate
Preparing for Your First Mortgage Payment: Key Details to Know
Is FHA Streamline Refinance Right for You?
Should You Buy a Condo Vacation Property?
The Rise of Single Women Homeowners: Tips for Navigating the Journey
A Simple Guide to First-Time Homebuyer Programs
How Self-Employed Individuals Can Secure a Mortgage with Confidence
Understanding the VA Loan: How Many Times Can You Use It?
Understanding Mortgage Rates: A Guide for First-Time Homebuyers
Top Reasons to Refinance Your Home: Key Benefits to Consider
Refinance Your Home, Even if You Have Limited Equity
A Strategic Approach to Adjustable-Rate Mortgages
Home Equity Loans vs. HELOC: Which is Right for You?
How High Balance Loans Can Help You Afford a Home in Expensive Markets
Housing Assistance Programs for Veterans
A Guide to Freddie Mac CHOICERenovation Loans
How Veterans Can Benefit from the VA Loan Streamline Refinance (IRRRL)
Unlocking Real Estate Potential with HELOCs
Shared Equity vs. Traditional Loans: What’s Better for Homebuyers?
Can You Afford to Buy a Vacation Home?
Mortgage Options For Single Parents
Mortgage Co-signers : A Strategic Partnership for Homebuyers
Pros and Cons of No-Down Payment Loans
Building Your Dream Home: The Essential Guide to Construction Loans
How To Pay Off Your Mortgage Faster
A Veteran’s Guide to Home Loans with Bad Credit
How to Buy a Home After Bankruptcy
7 Red Flags for Second Home Buyers and How to Avoid Them
Your Guide to FHA Loans: Making Homeownership Attainable
What Is Title Insurance and Why Do I Have to Pay for It?
A Comprehensive Guide to Protect Yourself Against Mortgage Fraud
The Importance of Debt Consolidation Home Loans
A Guide to Buying a Home in the U.S. for Non-U.S. Citizens
The Essential Role of Mortgage Calculators when Buying a Home
What Closing Costs and Fees Do I Have to Pay with a VA Loan?
Should I Sell or Rent my Home when I move?
The ABCs of Home Loan Options: A Guide for Teachers and Educators
Using the FHA 203(k) Loan to Renovate Your Home
The Impact of Your Credit Score on Interest Rates
Mortgage Assistance Programs for First-Time Buyers
The Pros and Cons of Biweekly Mortgage Payments
7 Things to Know Before Buying Your Dream Vacation Home
Understanding the Financial Power of Mortgage Points
Lease-to-Own Agreements: A Unique Path to Homeownership
Weighing Your Options: 20% Down Payment vs. Mortgage Insurance
The Federal Reserve's Role in Shaping Mortgage Rates
Avoiding Common Homebuyer Mistakes in a Seller's Market
The Rise of House-Hacking Among Millennials and Gen Z
What Are the Tax Benefits of Homeownership?
Warm Wishes for a Merry Christmas!
Choosing Between a 5/1 and 7/1 ARM?
Understanding Mortgage Prepayment Penalties: The Hidden Costs
Is Refinancing my Mortgage to Eliminate High-Interest Debt a Smart Move?
Minimizing the Effect of Job Loss on Your Mortgage
The Top 5 Reasons Fixed-Rate Mortgages Are Your Wealth-Building BFFs
Does My Age Affect My Mortgage Eligibility?
How Will Buying a Vacation Home Affect My Taxes?
HELOC Vs. Home Equity Loan: When Does Each Make Sense?
Exploring the Idea of Using Your Retirement Savings for a Second Home
Buying a New or Older Home: Weighing the Pros and Cons
Navigating Mortgage Opportunities for Veterans and Service Members
Cracking the Code to Financial Freedom: Bi-Weekly Mortgage Payments
Navigating Your Home Loan Journey: Choosing the Right Mortgage Term
8 Ways to Identify a Mortgage Scam and Protect Yourself
Understanding Debt-to-Income Ratio
How to Avoid Private Mortgage Insurance (PMI)
How to Save for a Down Payment: 9 Tips for First-Time Homebuyers
Do VA Entitlements Ever Expire?
Get a Mortgage even if You Just Started a New Job
Does the VA Offer Reverse Mortgages?
How Do VA Loan Rates Compare to Other Loans?
Understanding the Differences between Second Homes and Investment Properties
6 Mistakes that Home Buyers Should Avoid
How to Start the Process of Buying a Home
How To Save As Much Money as Possible When Buying a House
Happy Independence Day!
How does a HELOC work?
Weighing the Options: Vacation Home or First Mortgage Payoff?
Making Sense of Today's Interest Rates
Should I Consolidate My Debts with a Mortgage Refinance Loan?
Understanding Mortgage Loan Origination Fees
How to Improve Your Credit to Get a Better Mortgage Deal
Do I Have to Pay Private Mortgage Insurance?
Is a Conforming Loan the Same as a Conventional Loan?
Why Is My Mortgage Escrow Account Sending Me a Check?
What Is a Convertible Adjustable-Rate Mortgage?
What is an Assumable Mortgage?
What do Appraisers Consider When Valuing a House?
Should You Help Your Kids Pay for Their Mortgage?
What is Cash to Close?
What is a Loan Estimate?
What Fees are Included in Mortgage Closing Costs?
How To Beat High Inflation with a Home Purchase
How Long Does a Mortgage Pre-Approval Last?
Happy Valentine's Day
10 Important Facts About VA Loans
Buying a Vacation Home or Investing in a Timeshare?
What is the Difference Between a Mortgage Interest Rate and the APR?
Your Mortgage Closing Checklist
Choosing the Best Type of Refinance Loan
Home Buying in 2023 – What to Expect
Don’t Make These 7 Home Buyer Mistakes
Merry Christmas
How To Avoid Being House Poor
How to Buy a Home in Today’s High-Priced Market Without a Six-Figure Income
The Ultimate Mortgage Pre-Approval Document Checklist
Can’t Quite Afford a House Yet? Consider a Co-Borrower
Happy Thanksgiving
Disputing Your Property Tax Assessment Can Save You Money
5 Crucial Questions to Ask When Buying a Condo
5 Questions to Ask Yourself Before Buying a Vacation Home
Is a 15-Year Fixed-Rate Mortgage Right for Me?
Should I Refinance My ARM Loan to a Fixed-Rate Mortgage?
What The Latest Fed Rate Hike Means for Mortgages
HUD Homes - Another Option for Buyers and Investors
What Tax Deductions are Available to Homeowners?
An Excellent Credit Score can Save you Big Money
Don't Let Rates keep you from Buying or Selling
How A Bridge Loan Can Help You Build a New Home
Buying a Vacation Home: A Quick Guide
Will Getting a Mortgage Help My Credit Score?
Answers to the Most Frequently Asked Jumbo Loan Questions
Your Mortgage Application Document Checklist
The Top 7 Mortgage FAQs of First-Time Buyers
FHA Loans: the 9 Most Frequently Asked Questions
A Renovation Loan Could Help You Beat the Housing Market
6 Ways to Save Money on Your Next Mortgage
How Soon After Buying Can I Refinance the Mortgage of My Second Home?
Is Now a Good Time to Buy a Vacation Home?
What Does It Take to Get an Investment Property Loan?
The Do’s and Don’ts of Buying A Vacation Home
Combat Rising Inflation on Your Debt with a Refinance Loan
Programs and Grants to Help First-Time Home Buyers
7 Essential Home Buying Questions
How to Avoid 3 Common Mortgage Scams
What is a Drive-By Appraisal?
Home Equity Vs. Cash-Out Refinance Loans
Can You Afford a Second Home?
What if Rates Rise while my House is Under Contract?
Your AirBnB Income Can Help You Refinance Your Mortgage
How to Make Your VA Loan Competitive in a Hot Market
What’s the Difference Between the Sales Price and Appraised Value of a Home?
Can You Afford a Second Home?
What You Need to Know About FHA Loans in 2022
Will a HELOC Affect Your Credit Score?
Can You Get a Loan to Buy an AirBnB?
What an 18% Jump in 2022 Conforming Loan Limits Means for Me
How Long Should You Keep Your Mortgage Papers?
One Extra Mortgage Payment a Year Can Add Up to Big Savings
Who Owns My House: Me or My Mortgage Lender?
5 Reasons You Might Want a Non-Conforming Mortgage Loan
Creative Ways to Avoid Paying Closing Costs
5 Questions Unmarried Couples Should Ask before Buying a Home
Should I Do a Cash-out Refinance on My Rental Property?
7 Tips for Second-Time Home Buyers
Is the Market Headed towards 3-D Printed Homes?
Merry Christmas and Happy New Year
What Are Mortgage Origination Fees?
Buying a Home with help from Family
What does Homeowners Insurance Cover?
Happy Thanksgiving
Should I Ever Consider a Balloon Mortgage?
What is a Mortgage Contingency?
How to Prepare Your Home for an Appraisal
Happy Halloween
Americans Home Equity is at a Record High
How to Get Past First-Time Home Buyer Anxiety
4 Other Ways to Save Without Refinancing
Who Will I Work with in the Home Buying Process?
Fannie Now Accepts Timely Rent Payments as Credit Background
What is an eClosing?
4 Things to Know Before Getting a Reverse Mortgage
Is Buying a House with an HOA a Good Idea?
Should I Get a Conventional or FHA Loan?
Fannie, Freddie, and Ginnie and What Do They Have to Do With My Mortgage?
This New Mortgage Rule Could Save You from Foreclosure
How to Get a Mortgage Without a Credit Score
How Big Credit Card Purchases Can Hurt Your Mortgage Terms
Should I Buy, Build, or Renovate as a First-Time Home Buyer?
Can Refinancing Hurt My Credit Score?
Will My Mortgage Payment Increase Over Time?
What’s the Difference Between a Home Appraisal and Inspection?
What to Do if the Appraisal Comes in Low
How to Protect Your Information When Applying for a Mortgage Online
How to Avoid Delays in Your Home Buying Process
Can I a Buy a Home with Bad Credit?
How to Refinance After a Mortgage Forbearance
Should I Stay with my Current Lender when I Refinance?
5 Questions to Ask Yourself Before Applying for a Mortgage
What is the Best Way to Pay for Home Renovations?
Condo or Townhouse - Does it Matter?
There are LOTS of Reasons why You Might Want to Refinance
How Mortgages Are Affected by Property Use
Should I Buy a New or Existing Home?
What Loan Options are Available for Rental Properties?
How to Apply for a Mortgage Online
Why does Buying a Home require so much Insurance?
Mortgage Rates are Seasonal and Other Secrets
Time to Take Advantage of the Commercial Real Estate Market
Can you a Buy a Home with Bad Credit?
The Little-known Mortgage That Doesn’t Require a Down Payment
6 Tips for Saving a Down Payment as a Renter
4 Predictions for the 2021 Mortgage Market
Should I Pay Mortgage Taxes and Insurance on My Own?
Questions to Ask Your Mortgage Lender
Is My Credit Score Good Enough for a Mortgage?
Happy Thanksgiving
How the Eviction Moratorium Affects Landlords and Their Mortgages
Should I Pay Off My Mortgage with My 401(k)?
Should I Pay Off Student Loans with a Home Refinance?
How to Get a Small Dollar Mortgage Loan
Is Now the Right Time to Buy Your First Home?
The Little-known Mortgage That Doesn’t Require a Down Payment
Should I Refinance into a 15-year Mortgage Now?
Do You Have Enough Money to Buy a House?
What Happens If I Lose My Job During the Mortgage Process?
New FICO “Resilience” Credit Score Could Help Borrowers
Buying a First Home in an Expensive Area
What is an ARM loan?
Understanding Mortgage-related Insurance
Is Now a Good Time for a Reverse Mortgage?
How Long Does a Pre-Approval Letter Last?
What You Need to Know About Mortgage Forbearance
How to Buy a Home During COVID-19
Can a Higher Interest Rate Actually be a Better Choice?
Will an Employment Gap Hurt My Chances for Mortgage Approval?
What Does It Take to Refinance a Jumbo Loan?
Should You Buy a Second Home as Your First Home?
Why NOT to Pay Off Your Mortgage Early
What Costs Can I Expect as a Home Seller?
3 Things Lenders Don’t Want to See on Your Bank Statements
Merry Christmas and a Happy New Year
What Fees Are Included in My Monthly Mortgage Payment?
How to Cancel FHA Mortgage Insurance
Happy Thanksgiving
6 Homebuying Mistakes to Avoid
Jumbo Loans for Veterans
Can I Refinance with Bad Credit?
Is a Bigger Down Payment Always Better?
9/11 A Day We Will Never Forget
What is the CHOICERenovation Mortgage?
Should you Buy an Investment Property?
What’s More Important: Lower Home Prices or Mortgage Rates?
Energy Efficient Mortgage Program
Happy 4th of July
5 Tips for Buying an Investment Property in Utah
Benefits to Mortgage Debt
4 Loan Programs With Zero-Down Payment
What is Mortgage Amortization?
How to Build Home Equity
Can I Qualify for Down Payment Assistance?
5 Ways to Save Money on Your Mortgage
5 Things to Do After Your Mortgage Closes
What is the Right Mortgage for Buying a Fixer-Upper?
Why Do Mortgage Rates Go Up and Down?
First-time Homebuyers should avoid these 5 Mistakes
The Ins and Outs of a Down Payment
Happy Holidays from LATITUDE LENDING, LLC
Should I Pay Off My Mortgage Before Retirement?
Happy Thanksgiving from LATITUDE LENDING, LLC
30-year Mortgages vs. 15-Year Mortgages
Happy Halloween
What is a Reverse Mortgage?
How to Qualify for a Mortgage When Your Income Isn’t Steady
Should I Roll My Student Loans into My Mortgage?
What is a Piggyback Mortgage?
Are Fixed Rate Mortgages or Adjustable Rate Mortgages better for me?
The Top 4 Reasons You Should Get a VA Loan
Should I Pay Mortgage Points?
Happy Independence Day 2018!
4 Things Every Borrower Needs to Know About Mortgage Brokers
Should I Rent or Buy?

LATITUDE LENDING, LLC

1586 E Stratford Ave, Suite 3
Salt Lake City, UT 84106

801-410-4068

NMLS: 1709969

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