First Time Home Buyer

What Is A Lender? Who Can You Trust?

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A mortgage company, a lender, a loan officer – What do all these terms mean? Who can I really trust? Who even is the Ben Lemon Team?

Mortgage Company/Lender/Loan Officer

A mortgage company originates and/or funds loans for residential property. A lender a financial institution that loans out money and requires repayment. For example, Citywide Home Loans is both, they originate and loans out money. A loan officer is a representative of a mortgage company/lender that will work with you through the entire application process for a home loan. For example, Ben Lemon is a loan officer representing Citywide Home Loans. 

Who Can I Trust?

When it comes choosing a lender, it is important to choose one who treats you like a human being – not a transaction! A good lender will have a team of experts that will be with you every step of the way. Answering all your questions, explain everything in bite size pieces, and treat you like family. You are an adult making a big financial decision and you want someone that is as excited as you are.

The Ben Lemon Team

We are the Ben Lemon Team; and with The Ben Lemon Team Way, we treat every client like gold. Each interaction is meaningful, with an opportunity to educate, and provide WOW customer service. We are here to make the impossible, possible. We’re here to help you every step of the way to give you a piece of the American Dream.

We provide a unique homebuying experience that educates clients (THAT’S YOU!) and establishes lasting relationships. Our goal is to make sure that you are informed every step of the way with clear answers and a process as smooth as butter. We have perfected our team system to give you the best experience. Our team has a combined 30 plus years of experience and being the top lender for Utah Housing, we have all the tools to get you into your dream home.

On the Ben Lemon Team, we love making the impossible, possible. Each client is a new opportunity to make the home buying dream come true. Whether this is your first home, investment property, or refinance, we will be with you every step of the way.

We are dying to work together and make the home buying process a breeze! Reach out to get pre-qualified for a new home, tell us the funny thing your cat just did, or to see if we can save you money by refinancing your existing home.


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Escrow is a term used often in the financial world. When it comes to mortgages, escrow or being in escrow means that you are using money as a way to “hold” or secure your offer in place when going through the home buying process

It’s important to know the differences in property types because it makes an impact on your loan type and type of home owner’s insurance you need. Let’s review them now.