Thank You!
Nelson will be in touch with you shortly to discuss your options!
If you have a HELOC that hasn't budged in two or three years, this closes that treadmill. Fixed rate. Fixed term.
Actual progress.
Nelson Barss
Principal Broker, NMLS #201517
10 years. One job: give you a straight answer.
Nelson Barss has been a licensed mortgage broker in Utah since 2003. He's not here to sell you a loan — he's here to tell you whether this one makes sense for your situation. If it doesn't, he'll tell you that too.
He's personally at every closing.
What Our Clients Say
Real 5-star Google reviews from clients like you.
Travis Webb
"Nelson made the whole process very easy...we were first time home buyers. Him and his team did most of the work. I would highly recommend Nelson and his team!"
Sarah M.
"We closed in just 19 days! Nelson kept us informed every single step. As first-time buyers, we had a million questions and he answered every one patiently."
Jake & Emily R.
"The earnest money guarantee gave us the confidence to make an offer in a competitive market. Nelson truly works for you, not the bank."
David Chen
"Nelson helped us navigate FHA loans and Utah Housing programs we didn't even know existed. Saved us thousands on our down payment."
Amanda Stark
"Painless experience from start to finish. Communication was constant, and we never felt pressured. This is how buying a home should feel."
Common Questions
Will this affect my first mortgage rate?
No. A second mortgage is a completely separate loan. Your first mortgage — rate, payment, terms — is untouched.
What rate can I expect?
Rates on 30-year fixed second mortgages currently start around 7.25%. That's the conversation we'll have on your free call — based on your equity, credit, and debt picture.
How is this different from a HELOC?
A HELOC is variable and interest-only. You can borrow and re-borrow, which sounds flexible — but most people end up making payments for years without reducing the balance. A fixed second mortgage has a set payment and a set end date. You actually pay it off.
Do I need perfect credit?
No. Requirements vary by lender. We'll tell you where you stand in the first conversation.
How fast can this close?
Typically 3–4 weeks. We move fast because we know waiting costs you real money every month.
What does the call cost?
Nothing. No application fee, no obligation. Just a straight conversation about whether the numbers work for you.