RIDGE HOME LOANS

Next Level Lending

Next
Level
Lending

Loans that fit
your needs

We're approved with the nation's top lenders, with the nation's lowest rates.

FHA Loans

Low down payment, flexible credit. Great for first-time buyers.

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VA Loans

Zero down, no PMI — exclusively for veterans and active military.

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Conventional

Flexible terms and strong rates. Down payments from 3%.

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Jumbo Loans

Financing above the conforming limit for higher-value homes.

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Refinancing

Lower your rate, shorten your term, or access your equity.

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Investment Property

DSCR and conventional options for growing a rental portfolio.

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USDA Rural Loans

Zero down for eligible rural and suburban properties.

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Temporary Buy Downs

Lower your rate for the first 1–3 years with seller or lender-paid options.

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Adjustable Rate (ARM)

Lower initial rate that adjusts with the market. Smart if you plan to sell or refi soon.

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Real People — Real Answers

Rick Anderton

Rick Anderton

Lending Manager

Jenn Boyer

Jenn Boyer

Relationship Manager

Caleb Pope

Caleb Pope

Loan Officer

Lorien Anderton

Lorien Anderton

Processor

Jason Cook

Jason Cook

Loan Officer, Loan Processor

Team details

What our clients say

★★★★★
5.0 on Google
★★★★★

"Great service, super kind, well executed knowledge, and prompt in responses, questions, and concerns."

Verified Google Review
Pleasant Grove, UT
★★★★★

"Honestly these guys are fantastic! Very quick with all the paperwork and they helped me get my credit ready to buy."

Verified Google Review
Utah County, UT
★★★★★

"Rick and his team were so upfront and honest about everything. They wanted what was best for us — even if that meant going elsewhere."

Verified Google Review
Pleasant Grove, UT
Read all reviews on Google or view all reviews →

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pre-qualified?

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Or call us: 801.414.8055