Loan Options
Not sure which loan program fits? TrueRate helps compare FHA, VA, conventional, jumbo, HELOC, refinance, down payment assistance, investment property, and manufactured home options.
Compare My Loan OptionsSt. George mortgage broker | Licensed in 5 states
A Smarter Mortgage Game Plan Built Around You
TrueRate Home Loans helps buyers and homeowners compare mortgage options from multiple lenders, understand the numbers, and move forward with confidence.
Purchase | Refinance | HELOC | FHA | VA | Conventional | Jumbo | Down Payment Assistance | Investment Property | Manufactured Homes
Licensed in Utah, Nevada, Colorado, Wyoming, California.
Not ready to apply? Start with a quick mortgage review.
Licensed in UT, NV, CO, WY & CA
Multiple lender access
One-on-one mortgage strategy
Local Southern Utah guidance
Rich NMLS #1010174
Equal Housing
Equal Housing
Borrower paths
Choose the Mortgage Path That Fits Your Goal
Each path starts with clear numbers and a practical plan.
Buy a Home
Get pre-approved with a practical view of payment, cash to close, loan programs, and next steps before you write an offer.
Start My Homebuying Game PlanRefinance
Review your current mortgage, goals, and break-even timing before deciding whether a refinance is worth it.
Request My Refinance Game PlanHELOC / Home Equity
Explore HELOC and home equity options for projects, debt consolidation, reserves, or other goals without guesswork.
Get My HELOC Game PlanVA Loans
Compare VA loan options with guidance on eligibility, payment, cash to close, and property requirements.
Start My VA Loan ReviewFHA Loans
Understand FHA down payment, credit, property, and monthly payment details before moving forward.
Check My FHA OptionsConventional Loans
Compare conventional loan structures, mortgage insurance options, and payment strategies across lender choices.
Review My Conventional Loan OptionsJumbo Loans
Review financing options for higher-value homes that exceed standard conforming loan limits, with guidance on documentation, reserves, down payment, and loan structure.
Build My Jumbo Loan Game PlanDown Payment Assistance
Review eligible down payment assistance paths and understand how they affect payment, closing costs, and approval.
See If I May QualifyInvestment Property Loans
Compare loan options for investment properties with an eye on cash flow, reserves, down payment, and long-term strategy.
Review My Investment Loan OptionsManufactured Home Loans
Review manufactured home loan options and property requirements with guidance before you get too far into the process.
Review My Manufactured Home OptionsNot sure where to start?
Start With the Question, Not the Application
You do not need to know whether FHA, VA, conventional, jumbo, HELOC, refinance, or assistance is the right path before you talk with Rich. Start with your goal, timeline, and concern. TrueRate helps turn that uncertainty into a Custom Mortgage Game Plan.
Ask Rich a QuestionA low-pressure first step
- Review your goal before choosing a loan path
- Understand payment, cash to close, and next steps
- Ask about referral options outside licensed states
Broker advantage
Why Use a Mortgage Broker Instead of a Bank?
A bank can usually offer only its own products. TrueRate can compare options from multiple lenders and help structure the loan around your goals.
What matters
TrueRate Home Loans
Bank
Online Lender
Loan optionsCompares options from multiple lendersUsually limited to its own productsOften limited to automated menus
Personal guidanceWork directly with Rich from strategy through closingMay shift between departmentsOften queue-based support
CommunicationDirect call/text access and local guidanceCan vary by branch and bankerUsually centralized
StrategyPayment, cash to close, rate options, and structure are explained before you move forwardProduct menu comes firstSpeed and volume often come first
SpeedFocused next steps once the right path is clearDepends on bank processFast intake, less context
FlexibilityMore program paths to compareLimited overlays and program menuLimited exception handling
Best fitBuilt around your goals and scenarioBuilt around institution productsBuilt around online workflow
For Realtor Partners
Agents need lending support that communicates clearly, reviews scenarios quickly, and helps buyers understand their financing before they write.
- Buyer pre-approval support
- DPA, FHA, VA, conventional, jumbo, investment, and manufactured home scenario review
- Clear updates from strategy through closing
Partner support
Mortgage Support That Helps Agents Serve More Buyers
TrueRate gives agents a direct line to Rich for buyer strategy, pre-approval conversations, and referral-friendly mortgage guidance.
Send Rich a Buyer Scenario
Meet Rich
Work Directly With a Mortgage Strategist, Not a Call Center
I'm Rich Cordova, founder of TrueRate Home Loans. My goal is to help borrowers understand their options, avoid costly mortgage mistakes, and build a custom mortgage game plan around their goals.
- NMLS #1010174
- Licensed in Utah, Nevada, Colorado, Wyoming, California
- 435-669-8003
- Text Rich
- rich@trhomeloans.com
Process
Your Custom Mortgage Game Plan Process
Discovery
We learn your goals, timeline, budget, and concerns.
Compare Options
We review loan programs, payment options, cash to close, and strategy.
Choose Your Game Plan
You select the loan structure that best fits your goals.
Close With Confidence
We guide you through application, underwriting, closing, and next steps.
Borrower feedback
Clear Guidance Makes the Process Feel Easier
A few words from borrowers who have worked with Rich and TrueRate Home Loans.
★★★★★
Rich was excellent. Fast, helpful, and easy to work with.
★★★★★
We had a great experience with TrueRate Home Loans. The communication was clear, the process stayed organized, and everything felt simple from start to finish.
★★★★★
I really appreciated how honest and straightforward the guidance was. Our loan options were explained clearly, and we never felt pressured.
Questions
Mortgage FAQs
What does a mortgage broker do?
A mortgage broker helps compare loan options from multiple lenders and structure the mortgage around the borrower's goals.
Why use TrueRate instead of my bank?
A bank usually offers its own loan products. TrueRate can compare multiple lender options and provide direct personal guidance.
How fast can I get pre-approved?
Timing depends on your file, but Rich can usually start with a focused conversation and the secure online application.
What loan programs do you offer?
TrueRate can help review purchase, refinance, HELOC, FHA, VA, conventional, down payment assistance, investment property, and manufactured home options.
Can I buy with little down?
Possibly. FHA, VA, conventional low-down-payment options, and assistance programs may fit depending on eligibility and property details.
Do you offer VA loans?
Yes. TrueRate helps eligible veterans, active-duty buyers, and qualifying borrowers review VA loan options.
Do you offer HELOCs?
Yes. TrueRate can help review HELOC and home equity options with a clear look at payment and strategy.
What states are you licensed in?
TrueRate Home Loans serves borrowers in Utah, Nevada, Colorado, Wyoming, and California.
Is applying online secure?
Full applications are routed to the secure application portal. Marketing forms avoid collecting highly sensitive borrower data.
What happens after I submit a form?
Rich reviews your request and follows up by your preferred contact method to discuss your mortgage game plan.