Experienced Lending. Honest Advice. Real Results.
With over 25 years in the mortgage industry and 600+ Utah families helped, Alpha Home Lending brings the experience to handle any loan — and the honesty to tell you exactly what makes sense for your situation. Conventional, FHA, VA, USDA, Jumbo, construction, and investment loans. Licensed in Utah, Idaho, Texas, and Florida.
25+
Years in the Industry
600 +
Families Helped
100+
Five-Star Reviews
Not sure where to start? Contact us today.
One of our trusted Loan Officers will reach out to answer any questions you may have.
What Are You Looking For?
4 Steps of Home Purchasing
Step 1
Determine budget and save for a down payment
Before you even start looking at homes for sale, it’s important to determine your needs and budget. Then start saving up for that down payment.
Step 2
Connect with an agent, make an offer, and contract
Start house hunting! An agent knows your market and works with you to find your dream home on your budget. When you find your perfect home, present the seller a purchase contract with all the details.
Step 3
Get pre-approved
Apply for your mortgage with Alpha Home Lending. Know your buying power, monthly payment options, and show sellers you’re serious with a pre-approval letter — often same day.
Step 4
Contingencies, appraisal, underwriting, close, move
Once an offer’s accepted, the home needs to be appraised. Next, underwriters check over the financials before clearing you to close. Then it’s time to sign and move in.
What Mortgage Is Right For Me?
What our clients say
600+
Happy Clients
Chip worked a miracle for us when he helped us get a mortgage for our new home build. Other banks were making things difficult for us due to some unique financial situations in our lives. Chip persevered in figuring out a marvelous out-of-the-box solution when we thought we had run out of options! He is brilliant! Chip also helped us refinance our home to include a home equity loan to build an attached geothermal greenhouse. Chip is a go-getter and wasted no time in helping us get our loan at a 2.5% interest rate! Chip knows the industry well and is highly skilled and stays on top of things. His communication skills are excellent and he keeps you updated on everything. We highly recommend him, and only him, to anyone! Look no further as Chip has amazing reviews and you will be glad you found him!
Chip is hands-down the best lender I’ve ever worked with — both personally and professionally. He handled my own home loan, and I confidently refer every one of my clients to him because I know they’ll be treated the same way.
What sets Chip apart is his responsiveness, deep knowledge of lending options, and his ability to problem-solve even the trickiest scenarios. He truly goes above and beyond for Utah buyers — whether it’s first-time homeowners, move-up buyers, or investors — making sure every deal closes smoothly and on time.
If you’re looking for a lender who delivers exceptional service and actually cares about people, Chip at Alpha Home Lending is the one you want on your side.
Chip has the best rates around. We’ve worked with him for three house loans right now, and recommend him to everyone! Chip is really honest, hard working, and knows his loan stuff. He’s made suggestions to us about how we can save money, get money, or structure our loan to best benefit us. He always makes himself available via email, text, or phone call. I trust Chip and his team. Plus, he’s an all-around stand up guy. When we were first moving to Utah, he offered to have himself and his sons come over to help us move in and unload the truck! Who does that? Only someone who is awesome. 😁
Chip was awesome to work with. He is very knowledgeable and guides you every step of the way. He was quick to answer any questions and provided great communication with us throughout the loan process. We highly recommend Chip!
Chip helped my wife and I buy our first home in Pennsylvania while we were still living in San Diego. Although we never met in person, I could tell he was an awesome guy and helped us with every step in the process. He got us a good rate, better than I anticipated, and was always willing to answer all the weird non sense questions I came up with.
Chip is super friendly and helped find the right refinancing choice for us based off of our financial goal of reducing our monthly payment. The process was painless and is saving us several hundred dollars a month! Thanks for being so friendly, honest, and non-salesman-y! I’ve already recommended him to my family and friends
Always on top of things. Quick to answer question and phone calls. We were able to close on our house almost ten days early and it’s was honestly because of Chip and his team helping us out so much. Loved the experience 10/10 would recommend
Chip kept us informed on the details of our loan application almost daily and let us know if there were any issues or additional documents that might be needed. We really didn’t need to keep contacting him to know the loan status and he was always very helpful if we had any questions or concerns.
Chip comes through again. This is the 3rd time we have used Chip and he is always on top of things and is great and advising what would be the best move for us. he is always quick to respond and is very attentive from beginning to end. Couldn’t recommend him more!
Chip was a pleasure to work with. Very knowledgeable, helpful and very easy to talk to. I look forward to doing business with him in the future if a refinance need arises. Thank you Chip!
Working with Chip has been an amazing experience. He is patient, and easy going. Answered all of our questions, and made things super easy. I would have never of thought this would be so simple and stress free. We can’t thank him enough for such an amazing experience!
