Personalized Home Financing Across Murray, Salt Lake City, and the State of Utah
With 25 years of mortgage lending experience, Jamie Nielsen helps first time homebuyers, growing families, veterans, and homeowners confidently navigate every stage of the home financing process.
As a Branch Manager with VanDyk Mortgage, Jamie proudly serves clients throughout Utah, including Murray, Salt Lake City, and the surrounding Salt Lake Valley, as well as borrowers in Idaho, California, Nevada, and Wyoming. She is known for providing expert guidance, personalized financing solutions, and clear communication from application through closing.
Jamie believes buying a home is more than a transaction. It is an important milestone. By staying closely informed on market trends and lending changes, she helps clients and referral partners make confident decisions while delivering a smooth and supportive mortgage experience from start to finish.
A Utah Mortgage Lender Who Understands Your Goals
No two borrowers have the same financial situation, property, or long term plan. Jamie takes the time to understand what you are trying to accomplish before recommending a mortgage strategy.
Whether you are purchasing your first home, moving into your next home, buying an investment property, refinancing your current mortgage, renovating a property, building a new home, or accessing available home equity, Jamie will help you explore the financing options that may fit your goals.
Her experience with home renovation, house flipping, and real estate investing provides insight that extends beyond the loan itself. He understands the numbers behind a real estate transaction as well as the vision behind the property. That experience helps buyers and investors evaluate opportunities and consider financing options they may not have known were available.
Utah Home Loan Programs
Jamie offers a broad range of residential mortgage products through VanDyk Mortgage. Program availability, qualification requirements, and property eligibility vary, so the right starting point is a conversation about your goals.
Conventional Loans
Conventional mortgages are commonly used to purchase or refinance primary residences, second homes, and qualifying investment properties. They can be a strong option for borrowers with established credit who want flexible down payment and property choices.
FHA Loans
FHA financing can help eligible Utah buyers purchase a home with flexible credit and down payment requirements. It may be useful for first time buyers, but previous homeownership does not automatically prevent someone from qualifying.
VA Loans
VA loans offer valuable home financing benefits to eligible veterans, active duty service members, and qualifying surviving spouses. Depending on eligibility and loan structure, VA financing may allow a home purchase without a down payment.
USDA Loans
USDA financing may provide eligible borrowers with a no down payment purchase option in qualifying rural and suburban areas. Property location, household income, and other program requirements apply.
Jumbo Loans
Jumbo financing is designed for loan amounts that exceed standard conforming loan limits. Jamie can help Utah buyers evaluate options for higher priced homes and more complex financial profiles.
Bank Statement Loans
Bank Statement programs may help eligible self employed borrowers qualify using qualifying bank deposit history rather than relying solely on traditional income documentation.
Non QM Loans
Non QM mortgage programs can provide alternative qualification options for borrowers whose finances do not fit standard agency guidelines. These programs may serve business owners, investors, borrowers with significant assets, and clients with nontraditional income.
DSCR Loans for Real Estate Investors
Debt Service Coverage Ratio loans are designed for qualifying real estate investors. Rather than relying primarily on the borrower’s personal employment income, qualification may focus on the property’s expected rental income and expenses.
Renovation Loans
Renovation financing can combine the purchase or refinance of a home with qualifying improvement costs. This may allow borrowers to finance a property based partly on its expected value after approved renovations are completed.
Construction Loans
Construction financing can help eligible borrowers fund the building of a new home. Jamie can help clients understand the financing process, construction draws, documentation requirements, and transition into permanent mortgage financing.
Reverse Mortgages
Reverse mortgage programs may allow eligible homeowners age 62 or older to access a portion of their available home equity without a required monthly principal and interest mortgage payment. Borrowers must continue meeting property tax, insurance, maintenance, and occupancy requirements.
Home Equity Lines of Credit
A Home Equity Line of Credit may allow eligible homeowners to borrow against available home equity for renovations, major expenses, investments, or other financial needs.
Buying or Refinancing a Home in Utah
Jamie assists borrowers throughout Murray, Salt Lake City, the Salt Lake Valley, and communities across Utah.
Buying a Home
A successful home purchase begins before the property search. Jamie can help you understand your financing range, compare loan programs, estimate funds needed for closing, and prepare for the underwriting process.
Refinancing a Mortgage
Homeowners may consider refinancing to change their loan term, access available equity, consolidate qualifying debt, remove a borrower, or pursue another financial objective. Refinancing is not automatically beneficial, so Jamie will help you compare the potential costs and long term impact.
Accessing Home Equity
Depending on your equity, credit, income, and goals, a cash out refinance, Home Equity Line of Credit, or another financing option may be available. Jamie can help explain how each choice works and how it may affect your existing mortgage.
Meet Jamie Nielsen
Jamie Nielsen is a Branch Manager with VanDyk Mortgage and brings 25 years of mortgage lending experience to the clients and communities she serves. She works with first time homebuyers, growing families, veterans, and homeowners preparing for their next move, providing personalized financing solutions, clear communication, and dependable guidance from application through closing.
As an active member of the Murray community, Jamie is committed to building lasting relationships with both clients and referral partners. She proudly serves borrowers throughout Utah, including Murray, Salt Lake City, and the surrounding Salt Lake Valley, as well as clients in Idaho, California, Nevada, and Wyoming.
Jamie Nielsen
Branch Manager
VanDyk Mortgage
NMLS #301486
5330 South 900 East, Suite 200
Salt Lake City, Utah 84117
801 703 8325
jnielsen@vandykmortgage.com
Frequently Asked Questions About Utah Mortgages
Does Jamie Nielsen serve borrowers outside Murray and Salt Lake City?
Yes. Jamie is based in the Salt Lake Valley and serves eligible borrowers throughout the state of Utah, California, Idaho, Nevada & Wyoming .
What mortgage programs does Jamie offer?
Available options may include Conventional, FHA, VA, USDA, Jumbo, Non QM, Bank Statement, DSCR, Reverse Mortgage, Home Equity Line of Credit, Renovation, and Construction loan programs.
Can Jamie help self employed borrowers?
Yes. Jamie works with self employed borrowers and can review traditional and alternative documentation options based on the borrower’s circumstances and available loan programs.
Does Jamie work with Utah real estate investors?
Yes. Jamie assists investors with options that may include Conventional investment property loans, DSCR financing, Bank Statement loans, Non QM programs, renovation financing, and construction loans.
Can Jamie help finance a fixer upper?
Yes. Renovation loan programs may allow eligible borrowers to finance both the property and qualifying improvement costs through one financing structure.