Utah Home Financing Made Simple

Buying a home is a big decision. Figuring out how to finance it shouldn't make it harder. Whether you're buying your first home, using your VA benefits, moving up, or simply trying to understand your options, I'll help you find a mortgage strategy that fits your goals—not just a loan.

I'm Kristopher “Kris” Matyas, a Utah REALTOR®, licensed mortgage broker, U.S. Army veteran, and The Mortgage Rebel. I help buyers throughout Utah, with a focus on Tooele County, the Salt Lake Valley, and St. George/Washington County.

Explore Your Mortgage Options

Every buyer's situation is different. Depending on your eligibility, finances, property, and goals, we can explore VA, conventional, FHA, USDA, first-time homebuyer, and other financing options to determine what makes the most sense for you.

🎖️ VA Home Loans - Proudly Serving Utah’s Military & Veteran Communities

As a U.S. Army veteran, I’m proud to help active-duty military members, veterans, and their families throughout Utah understand and use their VA home loan benefits. I serve buyers connected to Hill Air Force Base, Camp Williams, Dugway Proving Ground, Tooele Army Depot, and military and veteran communities throughout Utah.  Whether you’re PCSing to Utah, separating from service, buying your first home, or using your VA benefit again, I can help you understand your options and build a home financing strategy around your situation.

🏠 First-Time Homebuyers

You don't need perfect credit or a 20% down payment to buy your first home. I'll help you understand your available loan programs, estimated payment, cash needed to close, and what steps—if any—you should take before you start shopping.

💰 Conventional & FHA Loans

Conventional and FHA financing can both be excellent options depending on your credit, down payment, income, property, and long-term goals. We'll compare the numbers instead of automatically assuming one program is best.

🌄 USDA & Rural Home Financing

Qualified buyers purchasing eligible properties may have access to USDA financing with no down payment required. This can be especially useful for buyers considering eligible communities outside Utah's major urban areas.

Get Preapproved Before You Start Shopping 

A good preapproval should tell you more than the maximum price of a house you can buy. We'll look at your comfortable monthly payment, estimated cash to close, available loan options, and overall buying strategy so you can shop with confidence.

If you're not ready today, that's okay. We'll identify what needs to happen next and build a plan to get you there.

Mortgage Advice From Someone Who Understands Both Sides

Because I'm both a Utah REALTOR® and licensed mortgage professional, I understand how the real estate contract and financing strategy work together. My mortgage business operates through Barrett Financial Group, LLC, where I help buyers throughout Utah navigate financing and preapproval as The Mortgage Rebel.

Kristopher “Kris” Matyas
The Mortgage Rebel
NMLS #864775
U.S. Army Veteran

Get Preapproved With The Mortgage Rebel 

Mortgage financing services are provided through Barrett Financial Group. NMLS #2973. Kristopher Matyas NMLS #864775. Real estate brokerage services are provided through Equity Real Estate.