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OUR SERVICES
Loan Programs and Products We Offer
FHA HOME LOAN
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA HOME LOAN
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
USDA HOME LOAN
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
JUMBO LOAN
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
REVERSE MORTGAGE
The federal government guarantees HECM reverse mortgages and offers them as an option for homeowners who are 62 years old or
older. With this type of loan, you can take out money from your home without having to pay any monthly mortgage payments-just
interest on what's left!
SHINING STAR HERO
The Shining Star Hero Program allows for homeownership for heroes in our community!
ABOUT OUR COMPANY
What We Do
We are a full-service mortgage company based in Orem, UT. We specialize in All types of loan products, Conventional, FHA, VA, First Time Homebuyers, and USDA. Whether you are buying a home or refinancing we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
Programs We Offer
In terms of Purchase Loan programs, we offer the following: FHA, VA, USDA, HomePath, Jumbo, Conventional, and Jumbo.
Refinancing? We can help you with that, too!
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs: FHA Streamline , FHA Cash Out, FHA 203k, VA Streamline, USDA Streamline, Conventional, HELOC and Jumbo. What makes Ares Mortgage LLC unique is that we offer the following niche programs as well: Non-QM Loan, Bank Statement, Jumbos.
CONTACT US
Feel free to text or call...
HEAR FROM OUR AWESOME CLIENTS...
Eric is the best ever!!!
Eric went above and beyond in guiding us through the entire process, providing comprehensive education from start to finish. Since then, every interaction in relation to the matter has been remarkably prompt and effortless. The outstanding level of patience displayed ensured that this experience remained stress-free for us. Eric tirelessly worked day-in and day-out, collaborating closely with our Agent to find the best financial solution for our unique circumstances. When goals were set in conjunction with Eric, rest assured that all efforts would be exerted to make them a reality. Choosing Eric as the lender of choice made us feel incredibly at ease. I wholeheartedly recommend Eric to all our loved ones. Words cannot adequately express the gratitude felt, as our dream home would not have been possible without the exceptional assistance received!
Donald M.
Google Review
Wholeheartedly recommend working with Eric!
Eric is absolutely phenomenal! We couldn't be happier with the outcome – securing the best deal for us and ensuring we got the most value for our investment. Throughout the entire process, Eric expertly led us, helping navigate the complexities with ease. Even after the purchase, Eric's dedication to assisting us remains evident, promptly addressing any questions that come up. The attentive and caring approach Eric takes truly makes individuals feel well taken care of. Working with Eric is wholeheartedly recommended for an exceptional experience!
Leticia R.
Google Review
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
We will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
We will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
Meet Eric
With many years of experience at various levels of the mortgage business, Eric believes that helping clients with their mortgage needs is not just a one time transaction but is a stepping stone toward building a secure and healthy financial future. His greatest desire is that his clients are not only happy but fully educated about the mortgage that they’ve selected and excited with the path on which they have embarked. He recognizes that purchasing a home is most likely going to be one of if not the most important financial transaction that one will make in their life so it’s important to make the correct financing choices the first time. Eric spends his free time with his wife and 3 children enjoying the beautiful nature that Utah has to offer, attending as many local sporting events as possible or reading as many books as he can get his hands on. Whether you are considering purchasing a new home or refinancing your existing mortgage I would like to be able to guide you through the mortgage process.
Eric Smart
President | Loan Officer
Meet Eric
With many years of experience at various levels of the mortgage business, Eric believes that helping clients with their mortgage needs is not just a one time transaction but is a stepping stone toward building a secure and healthy financial future. His greatest desire is that his clients are not only happy but fully educated about the mortgage that they’ve selected and excited with the path on which they have embarked. He recognizes that purchasing a home is most likely going to be one of if not the most important financial transaction that one will make in their life so it’s important to make the correct financing choices the first time. Eric spends his free time with his wife and 3 children enjoying the beautiful nature that Utah has to offer, attending as many local sporting events as possible or reading as many books as he can get his hands on. Whether you are considering purchasing a new home or refinancing your existing mortgage I would like to be able to guide you through the mortgage process.
Eric Smart
President | Loan Officer
Call 385-462-0293
Call 385-462-0293
Copyright © 2024 | Licensed In: CO, FL, GA, ID, UT & WA | Company NMLS: 2416500 | NMLS # 235000
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
Your Consent & Privacy: By providing your phone or email, you grant consent for Eric Smart to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.
Copyright ©2023 | Licensed In: CO, FL, GA, ID, UT & WA | Company NMLS: 2416500 | NMLS # 235000