Personalized Home Financing Across Murray, Salt Lake City, and the State of Utah
For nearly two decades, Quinn Richins has helped homebuyers, homeowners, real estate investors, and real estate professionals throughout Utah pursue their real estate goals with confidence.
As a Senior Loan Officer with VanDyk Mortgage, Quinn serves borrowers across the entire state of Utah, with deep roots in Murray, Salt Lake City, and the surrounding Salt Lake Valley. Since 2007, he has guided thousands of clients through the mortgage process with honest communication, practical advice, and financing strategies built around their individual needs.
A Utah Mortgage Lender Who Understands Your Goals
No two borrowers have the same financial situation, property, or long term plan. Quinn takes the time to understand what you are trying to accomplish before recommending a mortgage strategy.
Whether you are purchasing your first home, moving into your next home, buying an investment property, refinancing your current mortgage, renovating a property, building a new home, or accessing available home equity, Quinn will help you explore the financing options that may fit your goals.
His experience with home renovation, house flipping, and real estate investing provides insight that extends beyond the loan itself. He understands the numbers behind a real estate transaction as well as the vision behind the property. That experience helps buyers and investors evaluate opportunities and consider financing options they may not have known were available.
Utah Home Loan Programs
Quinn offers a broad range of residential mortgage products through VanDyk Mortgage. Program availability, qualification requirements, and property eligibility vary, so the right starting point is a conversation about your goals.
Conventional Loans
Conventional mortgages are commonly used to purchase or refinance primary residences, second homes, and qualifying investment properties. They can be a strong option for borrowers with established credit who want flexible down payment and property choices.
FHA Loans
FHA financing can help eligible Utah buyers purchase a home with flexible credit and down payment requirements. It may be useful for first time buyers, but previous homeownership does not automatically prevent someone from qualifying.
VA Loans
VA loans offer valuable home financing benefits to eligible veterans, active duty service members, and qualifying surviving spouses. Depending on eligibility and loan structure, VA financing may allow a home purchase without a down payment.
USDA Loans
USDA financing may provide eligible borrowers with a no down payment purchase option in qualifying rural and suburban areas. Property location, household income, and other program requirements apply.
Jumbo Loans
Jumbo financing is designed for loan amounts that exceed standard conforming loan limits. Quinn can help Utah buyers evaluate options for higher priced homes and more complex financial profiles.
Bank Statement Loans
Bank Statement programs may help eligible self employed borrowers qualify using qualifying bank deposit history rather than relying solely on traditional income documentation.
Non QM Loans
Non QM mortgage programs can provide alternative qualification options for borrowers whose finances do not fit standard agency guidelines. These programs may serve business owners, investors, borrowers with significant assets, and clients with nontraditional income.
DSCR Loans for Real Estate Investors
Debt Service Coverage Ratio loans are designed for qualifying real estate investors. Rather than relying primarily on the borrower’s personal employment income, qualification may focus on the property’s expected rental income and expenses.
Renovation Loans
Renovation financing can combine the purchase or refinance of a home with qualifying improvement costs. This may allow borrowers to finance a property based partly on its expected value after approved renovations are completed.
Construction Loans
Construction financing can help eligible borrowers fund the building of a new home. Quinn can help clients understand the financing process, construction draws, documentation requirements, and transition into permanent mortgage financing.
Reverse Mortgages
Reverse mortgage programs may allow eligible homeowners age 62 or older to access a portion of their available home equity without a required monthly principal and interest mortgage payment. Borrowers must continue meeting property tax, insurance, maintenance, and occupancy requirements.
Home Equity Lines of Credit
A Home Equity Line of Credit may allow eligible homeowners to borrow against available home equity for renovations, major expenses, investments, or other financial needs.
Buying or Refinancing a Home in Utah
Quinn assists borrowers throughout Murray, Salt Lake City, the Salt Lake Valley, and communities across Utah.
Buying a Home
A successful home purchase begins before the property search. Quinn can help you understand your financing range, compare loan programs, estimate funds needed for closing, and prepare for the underwriting process.
Refinancing a Mortgage
Homeowners may consider refinancing to change their loan term, access available equity, consolidate qualifying debt, remove a borrower, or pursue another financial objective. Refinancing is not automatically beneficial, so Quinn will help you compare the potential costs and long term impact.
Accessing Home Equity
Depending on your equity, credit, income, and goals, a cash out refinance, Home Equity Line of Credit, or another financing option may be available. Quinn can help explain how each choice works and how it may affect your existing mortgage.
Meet Quinn Richins
Quinn Richins is a Senior Loan Officer with VanDyk Mortgage and has served Utah borrowers since 2007. His lending experience includes traditional home loans, investor financing, renovation lending, construction loans, and alternative options for borrowers with complex income.
His background in renovation, house flipping, and real estate investment allows him to approach mortgage lending from both a financing and property perspective. Quinn proudly serves borrowers across Utah, with especially strong ties to Murray, Salt Lake City, and the Salt Lake Valley.
Quinn Richins
Senior Loan Officer
VanDyk Mortgage
NMLS 103926
5330 South 900 East, Suite 200
Salt Lake City, Utah 84117
801 703 8325
qrichins@vandykmortgage.com
Frequently Asked Questions About Utah Mortgages
Does Quinn Richins serve borrowers outside Murray and Salt Lake City?
Yes. Quinn is based in the Salt Lake Valley and serves eligible borrowers throughout the state of Utah.
What mortgage programs does Quinn offer?
Available options may include Conventional, FHA, VA, USDA, Jumbo, Non QM, Bank Statement, DSCR, Reverse Mortgage, Home Equity Line of Credit, Renovation, and Construction loan programs.
Can Quinn help self employed borrowers?
Yes. Quinn works with self employed borrowers and can review traditional and alternative documentation options based on the borrower’s circumstances and available loan programs.
Does Quinn work with Utah real estate investors?
Yes. Quinn assists investors with options that may include Conventional investment property loans, DSCR financing, Bank Statement loans, Non QM programs, renovation financing, and construction loans.
Can Quinn help finance a fixer upper?
Yes. Renovation loan programs may allow eligible borrowers to finance both the property and qualifying improvement costs through one financing structure.