Utah’s non-qm specialist. Specialized lending solutions for Utah’s self-employed entrepreneurs, real estate investors, and high-net-worth individuals. Qualify using bank statements, rental income, or liquid portfolios, with no tax returns required.

I got into this business because I genuinely love helping people figure out what’s possible. Most mortgage brokers work conventional loans: FHA, Fannie, Freddie. I specialize in the deals that don’t fit the box.

The business owner who writes everything off and can’t qualify on paper. The investor who wants property number four without documenting income again. The retiree with $1.5M in investments who shouldn’t need a W2 to buy a home.

I’m based in Salt Lake City and I work with clients all over Utah. When you call me, you get me. Not a team, not a call center, not a voicemail. I’ll pick up. If I can’t, I’ll call you back within the hour.

Rated five stars on Google. Every client handled personally. That’s what I’m building this on.

Get a quote here: https://www.saevamortgage.com/