Utah home loansPurchase · Refinance · First-time buyers

Home Sweet
Home Loans

Purchase-focused mortgage guidance from a Utah team that treats your home like it's ours. Clear answers, steady hands, and a process built around you.

Get Pre-Approved Or call (801) 823-4098

24+ yearsof mortgage lending experience

Purchase-firstspecialists, from first offer to keys

Every programConventional, FHA, VA, jumbo and more

Rooted in UtahLocal team, local market knowledge

01Loan programs

The right loan for the way you live.

There's no one-size-fits-all mortgage. We'll explain your options in plain language and help you choose the loan that fits your budget, your timeline and your plans.

Not sure? We'll help you choose

A craftsman home in Utah at golden hour with the Wasatch mountains behind

A young family on the lawn of their home in Utah

Conventional

Flexible terms and a range of down payment options for buyers with established credit.

Good fit for: solid credit, second homes and investment purchases

Get pre-approved

First-time buyer

Programs that make the first step easier, including down payment assistance for qualified Utah buyers.

Good fit for: your first home, or you haven't owned in a few years

Get pre-approved

Refinance

Adjust your term, change your payment or access equity when the time is right.

Good fit for: homeowners reviewing their loan as goals change

Review my options

FHA

Lower down payment paths for first-time buyers and buyers rebuilding credit.

Good fit for: smaller down payments, credit that's still growing

Get pre-approved

VA

An earned benefit for eligible veterans, service members and surviving spouses, with zero-down options.

Good fit for: veterans, active-duty military and surviving spouses

Get pre-approved

Jumbo

Financing for homes above conventional loan limits, structured with care.

Good fit for: higher-value homes and strong financial profiles

Get pre-approved

02About Hive

Built like a hive. Focused on your home.

A Utah neighborhood at golden hour beneath the Wasatch mountains

Utah is the Beehive State for a reason: a hive is a community working together, each part supporting the whole. That's how we approach every loan. We're a local, purchase-focused team that works side by side with your agent, so the path to closing feels calm instead of chaotic.

Clarity over complexity

Every option in plain language. You always know where you stand and what comes next.

Stronger together

Loan officers, agents and partners work as one team, so details don't get missed.

Purchase-first focus

Buying a home is our specialty, from first offer to final signature.

Rooted here

We know Utah's neighborhoods and market, and we're invested in the communities we serve.

A couple holding up the keys to their new home on the front porch

03How it works

Three steps to home sweet home.

Get pre-approved

A quick conversation and a few documents. You'll know your budget before you fall in love with a house.

Shop with confidence

Make offers backed by a real pre-approval. Sellers notice.

Close with clarity

We handle the details, keep you and your agent updated, and guide you all the way to the closing table.

Start your pre-approval

04Meet the team

The local team behind your loan.

President · Hive Home Loans

Amir Paul Razi

Amir has spent 24 years in mortgage lending and has run his own business since 2006, building several mortgage ventures alongside real estate partners. He founded Hive to give Utah homebuyers a team that's local, purchase-focused and truly on their side: one that takes care of the client, keeps the agent in the loop, and never lets a deal fall through the cracks.

24 years in mortgage lending Utah-based Purchase lending specialist

Get in touch amir@hivehomeloans.com

NMLS #220508 · Hive Home Loans LLC, NMLS #2897695

05Get in touch

Let's talk about your next home.

Pre-approval, a program question or just getting started, send us a note or call. A Hive loan officer will get back to you, usually the same business day.

Call us(801) 823-4098Weekdays · Mountain Time

1218 E 7800 S, Ste 150 · Sandy, UT 84094 connect@hivehomeloans.com

Home Sweet
Home Loans