Discovery
We learn your goals, timeline, budget, and concerns.
Work With Rich Directly
TrueRate Home Loans is built around thoughtful, one-on-one mortgage guidance. Instead of pushing a single product, Rich helps you compare paths and choose the loan structure that fits your goals.
Rich's approach is simple: understand the borrower first, explain the numbers clearly, and help build a Custom Mortgage Game Plan before the decision feels rushed.
I started TrueRate because borrowers deserve more than a rushed rate quote. A mortgage should be explained clearly, compared carefully, and structured around the borrower's actual goals - not forced into a one-size-fits-all process.
- Local Southern Utah presence with direct call/text access
- Mortgage strategy for purchase, refinance, HELOC, FHA, VA, conventional, jumbo, DPA, investment, and manufactured home scenarios
- Licensed in Utah, Nevada, Colorado, Wyoming, California
- Need help outside these states? Ask Rich about referral options.
Rich Cordova
Principal Lending Manager
Rich NMLS #1010174
Branch NMLS #2814502
Licensed in UT, NV, CO, WY & CA
Why TrueRate exists
A Mortgage Should Feel Clearer, Not More Confusing
TrueRate is designed for borrowers who want strategy, transparency, and a real person helping them understand the path forward.
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.