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    • Home
    • Resources
    • Jumbo Loan Programs
    • Get A Personal Rate Quote
    • Why Us
    • FAQ
    • Jumbo Journal
  • Home
  • Resources
  • Jumbo Loan Programs
  • Get A Personal Rate Quote
  • Why Us
  • FAQ
  • Jumbo Journal

Because we give a sh!t

 When it comes to jumbo financing, who you work with matters just as much as the loan itself. Higher loan amounts, complex financial profiles, and competitive markets require more than a rate quote—they require experience, strategy, and execution.

We combine Utah-based jumbo expertise with the strength of the #1 national jumbo lending platform to deliver a smarter, smoother lending experience.

Utah Jumbo Expertise — Not Call-Center Lending

We are not a national call center or a one-size-fits-all lender. We work directly with Utah buyers, homeowners and Realtors who are:

  • Purchasing luxury or high-value homes
  • Navigating complex income or asset structures
  • Buying second homes or vacation properties 
  • Refinancing large loan balances 
  • Competing in fast-moving Utah markets 

Because jumbo loans are not governed by standard agency rules, how the loan is structured from the start is critical. Our approach is hands-on, strategic, and customized to each borrower.

the Nation’s #1 Jumbo Lender

JumboLoansUtah.com is powered by the jumbo lending platform of Rate, the #1 jumbo lender in the United States. That means our Utah clients benefit from:

  • Deep jumbo liquidity 
  • Highly competitive jumbo pricing 
  • Advanced underwriting resources 
  • A wide range of jumbo and Non-QM solutions 

You get the strength and pricing of a national leader, paired with local Utah guidance and accountability.

A Smarter Way to Approach Jumbo Lending

Jumbo loans are not just “bigger mortgages.” They require:

  • Careful income and asset positioning 
  • Proper loan type selection (conforming, jumbo, Non-QM, VA, DSCR) 
  • Appraisal strategy in luxury and resort markets 
  • Clear communication with underwriters from day one 

We don’t just process loans—we structure them intentionally to avoid delays, surprises, and unnecessary friction.

Ready to Get Started

The Bottom Line

We exists to give Utah buyers the best of both worlds: 

  • National jumbo strength 
  • Local Utah expertise 
  • Personalized strategy 
  • Clean, confident closings 

When your mortgage is measured in seven figures, experience matters. With a combined 59 years of Utah lending experience, we are here to help.

What's The Word on the street

Mike

Shauna

Jared

If possible I would give 10 stars. Dan assisted us with our very first home purchase back in 2005 and we have used him for every loan or refi from that point on. He is the best in the business and his professionalism and expertise are unbeatable. He makes the process feel smooth and stress free which is tough for me. We will never use another lender, and I highly recommend him to anyone looking to secure lending for a home. Thank you !

Jared

Shauna

Jared

My experience with Dan and his team has been second to none. I have purchased many homes over the years and never have I had a smoother mortgage experience. His communication has been excellent and he instilled confidence and peace of mind throughout the experience. And somehow he managed to get my loan application processed, approved, and closed in less than two weeks! Dan performed with integrity throughout the process. I will never use anyone else for my mortgage financing needs. I highly recommend Dan Munford to anyone seeking a trustworthy and accomplished mortgage industry veteran.

Shauna

Shauna

Nicholas

Dan and his team are remarkable!! My bank pre-approved us and 2 days after we signed a contract for a home told us they couldn't use my husband's income as a truck driver. I couldn't believe it. Dan came to the rescue. They are knowledgeable and extremely helpful and fast working. We would be stranded without them. We closed quickly and with so much ease. If you want a smooth and quick transaction this is the team for you. I wouldn't recommend anyone else!!

Nicholas

Nicholas

Nicholas

I worked with Dan on a recent refinance - to say this chap is dedicated is an understatement - i spent some of my time during the refinance overseas and Dan was available at all times via his professional and personal lines, guiding me through some nuances and helping me to get the best possible rate, with the least amount of stress. This chap knows what he is doing, and I would highly recommend him, and other members of his team (Nicole Schmitt particularly).

Dan

Nicholas

Tyler

I would like to acknowledge the exceptional service that I received from Dan Munford and his Team during my refinancing process. This is the second time I have used Dan for my refinancing needs. His professionalism and knowledge of the industry is impressive and very appreciated. Dan went above and beyond to ensure that all my needs were met and that everything was handled thoroughly and efficiently. I have and will continue to recommend him in the future.

Tyler

Nicholas

Tyler

I have know Dan for years. He did all the financing for my wife and I when we built our first home in 1999, and when we moved to our new home in 2007, he has also done a refi for us. He is my one and only mortgage guy! Dan has always been honest and up front with us every time we have needed him. Best in the business! Would recommend him over and over! Thanks for having our best interest Dan!

Tayler & Mitchell

Tayler & Mitchell

Tayler & Mitchell

We are first time home buyers and came with many questions and concerns regarding the home buying process. Dan was eager to help and patiently answered all of our questions from start to finish. He is very knowledgeable about the mortgage industry which assured us that we were in good hands.

Wes

Tayler & Mitchell

Tayler & Mitchell

Dan and his team are excellent to work with. My mortgage application was processed quickly and he let me know exactly what my price range was for our new home. Once we were under contract, Dan exceeded all expectations and made the process easy, efficient and all my questions were answered along the way. Updates were communicated to me throughout the due diligence deadlines and I had no concerns or stress with the loan. Everything went through without a hitch and I can truly say, was the best experience I’ve ever had with a lender!

Tracy

Tayler & Mitchell

Tracy

Dan is among the best of the best. This is the 3rd closing we have had with Dan. His knowledge and communication is top notch you never feel like just a number to him. He will take the time to answer any questions you may have without making you ever feel like a bother.
Start to finish hands down the easiest closing possible.

Steve

My wife and I have moved 15 times over the past 35 years--so we have a LOT of experience working with loan officers. A few years ago we received a raving review about Dan's 30 years of experience and how if he says something--you can take it to the bank. So, we gave him a try. We needed a $760,000 loan. We compared his rates and costs to our former loan company, who was $7500 more for the same interest rate. We also compared his loan costs to another lender (who had been referred to us by our accounting firm) who was $5000 more for the same rate. So, to say the least, we were incredibly happy with the low cost for such a great rate. The next surprise was Dan's ability and experience in helping us with our SELF EMPLOYMENT tax returns. (A lot of loan officers get de-railed by the complication of self employment income, etc). The 3rd surprise was the turn around time. I had gotten used to adding 7-10 days of extra time when I had received closing dates in the past. Dan had the loan ready to go in a few weeks--which was exactly what he had told me. Last of all Dan is just a really nice guy and he returns texts and phone calls, usually within minutes. I have since referred Dan to my brother, my mom, my kids, and other friends--who have all received loans from Dan. Thankfully they have all loved his service as well. :) So...all I can say is 'Dan my loan man' is the real deal! Give him a try. --Steve

Your Utah Mortgage Lender, Your Utah Jumbo Lender. VA and Jumbo experts. Certified Mortgage Advisor.
Your Utah Mortgage Lender, Your Utah Jumbo Lender. VA and Jumbo experts. Certified Mortgage Advisor.
Logo of Utah Association of Mortgage Professionals with a golden arch design.
Your Utah Mortgage Lender, Your Utah Jumbo Lender. VA and Jumbo experts. Certified Mortgage Advisor.
Your Utah Mortgage Lender, Your Utah Jumbo Lender. VA and Jumbo experts. Certified Mortgage Advisor.

Guaranteed Rate, Inc. D/B/A Rate | All rights reserved. NMLS License #2611 © 2026 All Rights Reserved. | Dan Munford NMLS ID 139374 | Equal Housing Lender | 9350 South 150 East Sandy Utah 84070 | (801) 301-5626 | Your Utah Jumbo Lender

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