Call Today For a Free Consultation! (801) 365-8180
NMLS #289343 • NMLS #289726
The Utah Mortgage Company That Can Help You Save Big
What Can I Do That Your Current Lenders Aren't Doing? Let Us Know How We Can Help. Call Today!
The Utah Mortgage Lender with a BBB A+ rating!
The Utah Mortgage Lender with the Better Business Bureau’s A+ Rating
- Expert advice and support for our clients at any time.
- Upfront fees and no surprise charges at closing.
- All your information kept safe, private, and secure.
The Utah Mortgage Company Where Integrity Matters
If You Are Purchasing or Refinancing, and Are Tired of the Big Banks, Long Hold Times, and Their Fees, Call Us Today.
Mortgage Calculator
Mortgage Lender in Salt Lake City, UT
We focus on building working relationships that last a lifetime with every client. We offer free consultations for loans involving one to four family properties in Utah.
Our mortgage brokers in Salt Lake City are well-versed in all loans, including:
Walking You Through the Real Estate Lending Process
At White Pine Funding, we believe that finding the right mortgage shouldn’t feel overwhelming or impersonal. As a trusted mortgage broker serving Salt Lake City, UT, we’re here to make the process approachable, transparent, and tailored to you. Our goal is simple: to make your life better by helping you secure the loan you need to purchase the home you want.
Understanding the Role of a Mortgage Broker
A mortgage broker acts as a bridge between homebuyers and mortgage lenders, comparing rates and options from multiple sources to find the best fit for your financial goals. Unlike a direct mortgage lender, we don’t work for a specific bank. Instead, we work for you, bringing a variety of loan options to the table so you can choose what works best.
Putting Education First, Not Fees
One thing that sets White Pine Funding apart is our commitment to education before obligation. We walk you through the mortgage process step by step, answering questions and setting realistic expectations. Best of all, we don’t charge anything upfront. You won’t pay a cent until we perform a specific service like ordering an appraisal, and that usually happens well down the line.
Choosing a Local Expert Over a Corporate Giant
If you were guided by your agent to a particular lender or mortgage broker, be sure and get a competing quote. I usually beat the competition as I have no overhead and charge a very fair compensation. You will probably be pleasantly surprised.
We’re not a large corporation with quotas to hit or sales scripts to follow. We’re part of the Salt Lake City community, and we understand the local housing market and lending landscape. That means you get honest advice, direct communication, and a smoother mortgage experience.
Whether you’re buying your first home or refinancing, let White Pine Funding be your guide. Call today to speak with a local mortgage broker who puts your needs first.
Check Out What Our Customers Have To Say!
I was connected with Bob through a friend of a friend. As a first time home owner I had plenty of questions and was speaking with a bunch of lenders to make sure I made the right decision. The difference with Bob and White Pine was in the details. Bob educated me on rates, lending, processes, terms, etc. He never pressured me to choose him or sign a NDA. Working with Bob was the best part of the buying experience and next time I'm looking to purchase I'll work with him again. Highly highly highly recommend.
- JEREMY SELL SALT LAKE CITY, UT
Bob is an excellent loan officer and construction lender, His expertise helped us grow our construction company.
- JAY ERWIN PRESIDENT AT GREEN RIDGE BUILDERS
I've used White Pine Funding two times for my mortgage. Bob follows up quickly and does what he says he will do. Great experience!
- BLAKE QUINTON SALT LAKE CITY, UT
We were referred to Bob, by our contractor. Grateful we met. We were in need of refinancing our existing mortgage and get cash out, for our remodel. Start to finish was literally, a few weeks! Bob is incredible and saved us a ton of money and time.
- APRIL DAWN PETERSON SALT LAKE CITY, UT
Bob Ross is a great resource for mortgage funding on the house. He is very responsive and provides excellent feedback. He has a solid knowledge and experience of working with lenders and home-buyers in Salt Lake City.
- ALEXEI LIS SALT LAKE CITY, UT
Bob will provide the most details for you to make an informed mortgage decision. His experience and ability to explain the details clearly stands out. I am 100 % sure I saved money by choosing White Pine Funding compared to going elsewhere, and I feel confident and informed. He was my secret weapon in my entire home buying process.
- JARED SNOW SALT LAKE CITY, UT
Bob Ross has been an invaluable part of our financial team for many years, creating several home financing packages for us. In the complicated process of real estate transactions, he was professional, patient and fun to work with. Seeing what he, as a mortgage broker, has to go through, we were impressed! We highly recommend his services and will use him again in the future.
- GARY AND PAULETTE BIRDSALL BOUNTIFUL, UT
Highly recommend White Pine Funding! Bob was so easy to work with. He was easy to get a hold of and SO KIND with all my thousands of questions and patiently explained all the scenarios. Our mortgage had a lot of different factors and can't imagine of going elsewhere in this crazy time of home buying. His experience and knowledge helped us through the process. Thanks Bob!!
- W LEEPER SALT LAKE CITY UT
Robert is very knowledgeable and thorough. He is willing to take the time to find solutions that are difficult to find elsewhere, and he is also willing to take the time to explain everything clearly to you and/or your clients. His service is personal and individualized. He is in the business of quality over quantity, and I highly recommend him.
- ANGELA NICHOLS REALTOR AT KELLER WILLIAMS
Bob is simply fantastic when it comes to mortgage loans! He worked so hard on our behalf and we are in a much better place with our mortgage now. Due to past experiences, I had very low expectations when I reached out to White Pine. Bob was so kind, understanding, and beyond patient with me! He does amazing work! I highly recommend White Pine!
- AMANDA DEWOLF SALT LAKE CITY, UT
I have used Bob on three separate occasions to secure lending. Every experience has been excellent. Bob has years of market experience and is an expert in his craft. He is fair, kind, and informative. Through each experience, I always felt that Bob was looking out for my best interest, even when it may have contradicted his own financial interest. On top of that, Bob has helped me close on loans much faster than the big lending houses are able to do. He has helped many of my family friends and they too have had great experiences!
- ERIK SNOW SALT LAKE CITY, UT
Bob did a great job guiding my husband and I through the financial aspects of home buying. We did not know what to expect as first time home buyers, and we were so happy that Bob made the whole experience stress free! He was constantly educating us on everything so there were no surprises. We will be working with him for any future needs!!
- RACHEL SWAN SALT LAKE CITY, UT
Bob demonstrated to me deep knowledge of a variety of financial transactions and excellent customer care. I highly recommend using his services.