Ryan Sparks Mortgages - Citywide Homes Loans

Ryan Sparks Mortgages, operating under Influence Lending, positions itself as a key resource for homeowners in Utah seeking various mortgage solutions. While specializing in the Utah Housing Authority (UHA) loan program, which provides accessible homeownership opportunities for low to moderate-income residents across the state, the company also offers a comprehensive suite of conventional, government-backed, and refinance options. They emphasize guidance through the loan process, particularly for those utilizing UHA's down payment assistance and competitive rates.

Beyond state-specific initiatives, Ryan Sparks Mortgages provides core lending products including fixed-rate mortgages, which ensure payment predictability for up to 30 years with conventional, FHA, VA, and Jumbo options. For clients seeking initial lower payments, adjustable-rate mortgages (ARMs) are also available, catering to those with shorter-term homeownership plans. The company also offers reverse mortgages, specifically designed for homeowners aged 62 and older, allowing them to access home equity without monthly payments.

The lender's commitment extends to providing tailored advice, assessing individual eligibility based on factors like credit score, income, and DTI. They aim to assist a diverse range of borrowers, from first-time homebuyers to veterans and seniors, helping them navigate complex mortgage decisions and secure financial benefits like lower interest rates or debt consolidation. Ryan Sparks at Influence Lending focuses on making homeownership attainable and managing existing home loans effectively for Utah residents.