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Trusted Mortgage Brokers in Salt Lake City
CPA Mortgage Service is a mortgage brokerage firm founded by a Certified Public Accountant with over 26 years of lending industry experience. Our unique combination of accounting expertise and mortgage origination capabilities enables us to provide tailored financial solutions for residential and commercial clients. We specialize in conventional, FHA, VA, USDA, and jumbo loan products while maintaining a strong focus on personalized service. Our team's extensive experience in both public accounting and mortgage lending allows us to offer comprehensive financial guidance throughout the loan process.We pride ourselves on our ability to shop multiple lenders for competitive rates while maintaining the highest standards of integrity and transparency. Our commitment to customer satisfaction is demonstrated through our flexible loan terms, rapid processing times, and 24/7 availability to address client needs. With multiple NMLS-licensed professionals on staff, we combine technical expertise with exceptional service to deliver optimal mortgage solutions.
Services
Conventional Mortgages
FHA VA USDA Loans
Refinancing
Jumbo Loans
Commercial Loans
Highlights and features
- We offer 26 years of combined lending and accounting expertise
- Our team includes Certified Public Accountants and NMLS-licensed professionals
- We provide personalized mortgage solutions with rapid processing times
- We maintain relationships with multiple lenders for competitive rate shopping
- Our 100% customer satisfaction guarantee ensures exceptional service
What people say
Closed my loan in 14 days
Best customer service in town
Timely manner
Puts clients at ease
Makes clients feel like family
Services
Conventional Mortgages
We offer conventional mortgage solutions for borrowers with strong credit profiles seeking competitive rates without government backing. Our conventional loans provide flexible down payment options and are ideal for those with established financial histories. Our team helps clients navigate the requirements to secure optimal terms.
FHA VA USDA Loans
We specialize in government-backed mortgage programs including FHA, VA, and USDA loans. These options provide low down payment solutions for qualified borrowers. Our experts guide clients through eligibility requirements and documentation to access these specialized programs.
Refinancing
Our refinancing services help homeowners reduce monthly payments or access equity through rate-and-term or cash-out refinances. We analyze current market conditions to determine optimal timing for refinancing. Our process streamlines documentation and underwriting for efficient closings.
Jumbo Loans
We provide jumbo loan solutions for luxury properties exceeding conforming loan limits. Our Jumbo Elite program offers competitive rates for borrowers with strong credit profiles. We handle complex underwriting requirements for loans up to $2 million with expedited closing timelines.
Commercial Loans
Our CPA FXG program delivers specialized commercial financing solutions for business owners. We connect clients with tailored financing options beyond traditional banking channels. Our accounting expertise ensures proper structuring of commercial real estate transactions.
People
David R. Tucker
Lending Manager
David R. Tucker is a CPA with 38 years of public accounting experience and 25+ years in mortgage origination. He founded CPA Mortgage Service to combine financial expertise with lending services. Licensed in Utah as both CPA and mortgage broker.
Michael R. Tucker
Mortgage Loan Originator
Michael R. Tucker has been a mortgage loan originator since 1989 with securities licensing since 1983. He brings extensive financial services experience from Smith Barney and Wedbush Securities. Committed to 100% customer satisfaction.
Kevin D. Tucker
Marketing Director
Kevin D. Tucker specializes in mortgage origination and marketing. He focuses on personalized client service and expanding the company's reach. Bilingual in Spanish, he helps diverse clients navigate mortgage options.
Daniel J. Kimball
Mortgage Loan Originator
Daniel J. Kimball combines accounting expertise with mortgage origination. He educates clients about financing options while prioritizing relationship-building. Holds a BS in Accounting from Utah State University.
Questions
What mortgage programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, interest-only, and commercial loans with specialized programs for unique financial situations.
How quickly can you process a mortgage?
Our average closing time is 14-25 days depending on loan type, with Jumbo Elite loans closing in 25 days or less.
Do you work with first-time homebuyers?
Yes, we specialize in FHA loans with 3.5% down payments and provide guidance for first-time homebuyer programs.
Can you help with debt consolidation?
Yes, we offer mortgage solutions that can consolidate debt while optimizing your financial position through refinancing.
Are you available after business hours?
Our team is available 24/7 to accommodate client schedules and urgent mortgage-related inquiries.
What sets you apart from other brokers?
Our CPA background provides unique financial insights combined with personalized service and rapid loan processing capabilities.
