Ryan Harding & The Work Harding Home Mortgage Team
Mortgage Lender serving Orem, UT
About Ryan Harding & The Work Harding Home Mortgage Team
Work Harding Home Mortgage Team, operated by WORK HARDING HOME MORTGAGE TEAM, LLC, is a dedicated direct lender specializing in residential mortgage services. Based in Utah, the team serves communities including Lehi, Orem, and Salt Lake City, providing localized expertise alongside comprehensive loan options for homebuyers and homeowners.
This lender offers a broad spectrum of home loan products designed to meet diverse financial situations. Their offerings include popular government-backed options such as FHA, VA, and USDA loans, alongside conventional and jumbo mortgages. They also cater to specific needs with niche programs like construction loans, reverse mortgages, doctor loans, and investor cashflow programs for rental properties. Work Harding emphasizes making homeownership accessible through options like Utah Housing's 0% down loans and grant money programs.
Work Harding Home Mortgage Team is committed to a client-focused approach, integrating digital capabilities such as online applications and rate calculators to streamline the borrowing process. They also provide valuable resources like homebuyer education and specialized services in areas like divorce lending and solar financing, aiming to guide clients through every step of their homeownership journey with personalized support and expertise.
This lender offers a broad spectrum of home loan products designed to meet diverse financial situations. Their offerings include popular government-backed options such as FHA, VA, and USDA loans, alongside conventional and jumbo mortgages. They also cater to specific needs with niche programs like construction loans, reverse mortgages, doctor loans, and investor cashflow programs for rental properties. Work Harding emphasizes making homeownership accessible through options like Utah Housing's 0% down loans and grant money programs.
Work Harding Home Mortgage Team is committed to a client-focused approach, integrating digital capabilities such as online applications and rate calculators to streamline the borrowing process. They also provide valuable resources like homebuyer education and specialized services in areas like divorce lending and solar financing, aiming to guide clients through every step of their homeownership journey with personalized support and expertise.
Company Information
Lender Type: Direct Lender
Headquarters: Lehi, UT
Licensed In
UT
Certifications & Credentials
FHA ApprovedVA ApprovedUSDA Approved
Digital Capabilities
Online Application
Digital Document Upload
Rate Calculator
Pre-Qualification Tool
Home Loan Products
Purchase Home Loans
Loan Types:
ConventionalFHAVAUSDAJumboConstruction
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment ProgramNo PMI ProgramDown Payment Assistance
Available Terms:
30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
0
580
Min Credit Score
Mortgage Refinance
Loan Types:
RefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
Reverse Mortgage Loans
Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Doctor Loan Program
Loan Types:
ConventionalNon-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Physician Loan
Available Terms:
30 years
Credit Tiers:
Excellent (740+)Good (680-739)
680
Min Credit Score
Investor Cashflow Program
Loan Types:
DSCRNon-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Investment PropertyMulti-Family (2-4 units)
Occupancy Types:
Investment Property
Employment Types:
InvestorBusiness Owner
Income Verification:
No Income Verification
Available Terms:
30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
640
Min Credit Score
Divorce Lending Solutions
Loan Types:
RefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
Contact Information
576 State St
Orem, UT 84058
US
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Business Information
Category: Mortgage Lender
Location: Orem, UT
Status: Standard
Type: Direct Lender
Profile Views: 0
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