Joe Libin – Latitude Lending

Mortgage Broker serving Salt Lake City, UT

About Joe Libin – Latitude Lending

Joe Libin at Latitude Lending, based in Salt Lake City, Utah, has been a mortgage loan professional since 2002. He specializes in residential homeowner loans and works with the Latitude Lending Team in Sugarhouse. In 2021, Joe originated $48 million in loans across 138 transactions, earning him a place in the Founder’s Circle as a top producer.

Joe has previously been a top producer at Wells Fargo Home Mortgage and a Sub Prime Sales Manager for JP Morgan Chase Bank in UT. Latitude Lending is aligned with Fannie Mae, Freddie Mac, and Ginne Mae approved investors, which allows them to provide loans at a lower cost. They offer various types of loans including FHA, Conventional, VA, Jumbo, Fixed-Interest, Adjustable Rate, Utah Housing, Construction, and USDA loans.

Joe is a Utah native with a bachelor’s degree in Economics from Pepperdine University. He is dedicated to helping clients reach their financial goals. He is also an avid skier, scuba diver, and golfer, and enjoys traveling with his wife and son.

Company Information

Lender Type: Mortgage Broker
Headquarters: Salt Lake City, UT
Total Loans Originated: $48M

Licensed In

UT

Certifications & Credentials

Fannie Mae ApprovedFreddie Mac ApprovedGinne Mae Approved

Digital Capabilities

RATE_CALCULATOR
PRE_QUALIFICATION_TOOL

Home Loan Products

FHA Loans

Loan Types:
FHA
Rate Types:
FIXEDARM
Property Types:
SINGLE_FAMILY_HOMECONDOTOWNHOUSEMULTI_FAMILY_2_4_UNITSMANUFACTURED_HOMECOOPINVESTMENT_PROPERTYVACATION_HOMETINY_HOMEMODULAR_HOME
Occupancy Types:
PRIMARY_RESIDENCESECOND_HOMEINVESTMENT_PROPERTY
Employment Types:
W2_EMPLOYEESELF_EMPLOYEDCONTRACT_1099RETIREDINVESTORBUSINESS_OWNER
Income Verification:
FULL_DOCUMENTATION
Credit Tiers:
EXCELLENTGOODFAIRPOORBAD

Conventional Loans

Loan Types:
CONVENTIONAL
Rate Types:
FIXEDARM
Property Types:
SINGLE_FAMILY_HOMECONDOTOWNHOUSEMULTI_FAMILY_2_4_UNITSMANUFACTURED_HOMECOOPINVESTMENT_PROPERTYVACATION_HOMETINY_HOMEMODULAR_HOME
Occupancy Types:
PRIMARY_RESIDENCESECOND_HOMEINVESTMENT_PROPERTY
Employment Types:
W2_EMPLOYEESELF_EMPLOYEDCONTRACT_1099RETIREDINVESTORBUSINESS_OWNER
Income Verification:
FULL_DOCUMENTATION
Credit Tiers:
EXCELLENTGOODFAIRPOORBAD
3%
Min Down Payment

VA Loans

Loan Types:
VA
Rate Types:
FIXEDARM
Property Types:
SINGLE_FAMILY_HOMECONDOTOWNHOUSEMULTI_FAMILY_2_4_UNITSMANUFACTURED_HOMECOOPINVESTMENT_PROPERTYVACATION_HOMETINY_HOMEMODULAR_HOME
Occupancy Types:
PRIMARY_RESIDENCESECOND_HOMEINVESTMENT_PROPERTY
Employment Types:
W2_EMPLOYEESELF_EMPLOYEDCONTRACT_1099RETIREDINVESTORBUSINESS_OWNER
Income Verification:
FULL_DOCUMENTATION
Special Programs:
VETERAN_PROGRAM
Credit Tiers:
EXCELLENTGOODFAIRPOORBAD

Jumbo Loans

Loan Types:
JUMBO
Rate Types:
FIXEDARM
Property Types:
SINGLE_FAMILY_HOMECONDOTOWNHOUSEMULTI_FAMILY_2_4_UNITSMANUFACTURED_HOMECOOPINVESTMENT_PROPERTYVACATION_HOMETINY_HOMEMODULAR_HOME
Occupancy Types:
PRIMARY_RESIDENCESECOND_HOMEINVESTMENT_PROPERTY
Employment Types:
W2_EMPLOYEESELF_EMPLOYEDCONTRACT_1099RETIREDINVESTORBUSINESS_OWNER
Income Verification:
FULL_DOCUMENTATION
Credit Tiers:
EXCELLENTGOODFAIRPOORBAD

Fixed-Interest Mortgages

Loan Types:
REFINANCE
Rate Types:
FIXED
Property Types:
SINGLE_FAMILY_HOMECONDOTOWNHOUSEMULTI_FAMILY_2_4_UNITSMANUFACTURED_HOMECOOPINVESTMENT_PROPERTYVACATION_HOMETINY_HOMEMODULAR_HOME
Occupancy Types:
PRIMARY_RESIDENCESECOND_HOMEINVESTMENT_PROPERTY
Employment Types:
W2_EMPLOYEESELF_EMPLOYEDCONTRACT_1099RETIREDINVESTORBUSINESS_OWNER
Income Verification:
FULL_DOCUMENTATION
Credit Tiers:
EXCELLENTGOODFAIRPOORBAD

Adjustable Rate Mortgages

Loan Types:
REFINANCE
Rate Types:
ARM
Property Types:
SINGLE_FAMILY_HOMECONDOTOWNHOUSEMULTI_FAMILY_2_4_UNITSMANUFACTURED_HOMECOOPINVESTMENT_PROPERTYVACATION_HOMETINY_HOMEMODULAR_HOME
Occupancy Types:
PRIMARY_RESIDENCESECOND_HOMEINVESTMENT_PROPERTY
Employment Types:
W2_EMPLOYEESELF_EMPLOYEDCONTRACT_1099RETIREDINVESTORBUSINESS_OWNER
Income Verification:
FULL_DOCUMENTATION
Credit Tiers:
EXCELLENTGOODFAIRPOORBAD

Utah Housing

Loan Types:
REFINANCE
Rate Types:
FIXEDARM
Property Types:
SINGLE_FAMILY_HOMECONDOTOWNHOUSEMULTI_FAMILY_2_4_UNITSMANUFACTURED_HOMECOOPINVESTMENT_PROPERTYVACATION_HOMETINY_HOMEMODULAR_HOME
Occupancy Types:
PRIMARY_RESIDENCESECOND_HOMEINVESTMENT_PROPERTY
Employment Types:
W2_EMPLOYEESELF_EMPLOYEDCONTRACT_1099RETIREDINVESTORBUSINESS_OWNER
Income Verification:
FULL_DOCUMENTATION
Special Programs:
FIRST_TIME_HOMEBUYER
Credit Tiers:
EXCELLENTGOODFAIRPOORBAD

Construction Loans

Loan Types:
CONSTRUCTION
Rate Types:
FIXEDARM
Property Types:
SINGLE_FAMILY_HOMECONDOTOWNHOUSEMULTI_FAMILY_2_4_UNITSMANUFACTURED_HOMECOOPINVESTMENT_PROPERTYVACATION_HOMETINY_HOMEMODULAR_HOME
Occupancy Types:
PRIMARY_RESIDENCESECOND_HOMEINVESTMENT_PROPERTY
Employment Types:
W2_EMPLOYEESELF_EMPLOYEDCONTRACT_1099RETIREDINVESTORBUSINESS_OWNER
Income Verification:
FULL_DOCUMENTATION
Credit Tiers:
EXCELLENTGOODFAIRPOORBAD

USDA Loans

Loan Types:
USDA
Rate Types:
FIXEDARM
Property Types:
SINGLE_FAMILY_HOMECONDOTOWNHOUSEMULTI_FAMILY_2_4_UNITSMANUFACTURED_HOMECOOPINVESTMENT_PROPERTYVACATION_HOMETINY_HOMEMODULAR_HOME
Occupancy Types:
PRIMARY_RESIDENCESECOND_HOMEINVESTMENT_PROPERTY
Employment Types:
W2_EMPLOYEESELF_EMPLOYEDCONTRACT_1099RETIREDINVESTORBUSINESS_OWNER
Income Verification:
FULL_DOCUMENTATION
Credit Tiers:
EXCELLENTGOODFAIRPOORBAD

Contact Information

Professional Licenses

NMLS ID: 231319
1586 Stratford Ave S Suite 3
Salt Lake City, UT 84105
US
Mailing Address:
1586 Stratford Ave S, Suite 3 Salt Lake City, UT 84106

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Business Information

Category: Mortgage Broker
Location: Salt Lake City, UT
Status: Standard
Type: Mortgage Broker
NMLS ID: 231319
Loans Originated: $48M
Profile Views: 2

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