fbpx
Image is not available
Get Started With A Home Loan
Image is not available
Faster Loans With Our
Mobile App

A new way to manage your loan process with instant access through our mobile app.

Image is not available
Visit One Of Our Branches
previous arrow
next arrow
Slider

Graystone Goes “Beyond The Box”

Loan Officers in Utah and Washington

We know that the process of securing a home loan can seem complicated and overwhelming at times, and that is why here at Graystone Mortgage LLC we pride ourselves in creating an exceptional experience for our Washington and Utah clients. Whether you are purchasing a new house, refinancing an existing loan, or addressing debt challenges, you can put your trust in a trusted mortgage firm based out of Salt Lake City.

Our home loan officers have been helping families by providing uncompromising financial services to Utah and Washington residents since 1997. Our team of amazing professionals will work with clients one-on-one and guide them to financial success. Our home loan and refinance officers can ensure customers will get a financial solution that is best suited to their individual needs.

With an emphasis on mortgages insured by the Federal Housing Administration (FHA), Veterans Administration (VA), Rural Housing (USDA), the housing corporations in our focus states (WSHFC and UHC), Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac), you can trust in our services. Our accredited refinance firm is highly respected.

Our Values

Here at Graystone we value our mission statement, H.O.M.E. Ownership Made Easy.  It means that we HONOR our clients through honesty, OWN our responsibilities, are MOTIVATED every day to do our best, and create a positive EXPERIENCE for all of our clients. Every employee at Graystone Mortgage, across our offices in Salt Lake City, Sandy, Layton, Bellevue, and Seattle, values this mission statement and commits these core values to every client.

We hold our home loan officers to the highest industry standards of professionalism and integrity, and equip them with training and tools to ensure they can provide superior service and communication to all of our clients and business partners throughout every transaction. Hiring talented employees and officers gives us the advantage of competent performance on projects of any size.

About Us

Graystone is considered a “mortgage banker,” which means that we can originate, process, underwrite, close, fund, and refinance your home loan without seeking funds or assistance from outside financial institutions. What does this mean for you? A faster, more seamless transaction and personalized attention from a local loan officer familiar with every aspect of your unique profile. Our Washington and Utah clients prefer this method because it eliminates delays and the need for third-party consideration and mortgage approval.

In contrast to a “mortgage banker,” a “broker” isn’t represented by one company but works with clients to search for options from many different lending institutions. This means they do not have control of your loan throughout the procedure, nor do they necessarily have strong working relationships with the processors and underwriters throughout the process. Choosing to refinance your home with a qualified Utah or Washington banker is worth it.

PERSONALIZED ATTENTION – EXPERIENCE AND INTEGRITY – IN HOUSE PROCESSING, UNDERWRITING & FUNDING – COMPETITIVE RATES AND FEES

Contact our home loan officers in Salt Lake City and get approved or refinance today.

As your leading resource for mortgages and refinance solutions, Graystone will listen to your wants and needs, determine which product will best match your needs, and coach you through the process. Our officers will take the time to explain why specific documentation is required and how best to obtain those documents. We believe communication is paramount to creating a positive experience for our Salt Lake City, Utah clients, so we have trained our home loan refinance officers to keep you updated every step of the way. Our brand is “Home Ownership Made Easy,” and we intend to deliver!

couple painting

Renovation Loans

Found that perfect house…except the kitchen is straight out of the 70s? Want to stay in your existing home, but need some cash to repair a leaky roof?

couple looking at floorplan

Construction Loans 101

Building your dream home can be easy and affordable with the Graystone Construction Loan. Working with a mortgage team who specializes in New Construction is a MUST!

nice kitchen

Bridge Loans, Lot Loans & Private Money Financing

We realize that not every situation is a good fit for traditional mortgage financing. That is why Graystone offers a range of portfolio loan products.

  We Love Our Clients

We couldn’t have done this without you!

We want to say thank you to Rick Carter and his staff at Graystone Mortgage!! We needed to refinance our home and initially went online and found a mortgage company that looked, acted and talked like they could and would be able to help us.  After a month of going back and forth (which I would call, email with no response for days), sending in paperwork they could not pull through for us. I contacted Rick and within a few weeks we refinanced our home. Rick and his team were very professional, responded to phone calls and emails very quickly and made it a very pleasant experience! Thank you again Rick and Graystone Mortgage!

Al and Tanya Welch

Graystone Mortgage Client Testimonials
2019-03-13T16:44:58-06:00

Al and Tanya Welch

We want to say thank you to Rick Carter and his staff at Graystone Mortgage!! We needed to refinance our home and initially went online and found a mortgage company that looked, acted and talked like they could and would be able to help us.  After a month of going back and forth (which I would call, email with no response for days), sending in paperwork they could not pull through for us. I contacted Rick and within a few weeks we refinanced our home. Rick and his team were very professional, responded to phone calls and emails very quickly and made it a very pleasant experience! Thank you again Rick and Graystone Mortgage!

“Ryan Bolton did an excellent job”

Ryan Bolton did an excellent job!  The speed at which he worked... things just got done!

Daren

Graystone Mortgage Client Testimonials
2016-08-29T18:31:24-06:00

Daren

Ryan Bolton did an excellent job!  The speed at which he worked... things just got done!

“Rick Carter was amazing!”

Rick Carter was amazing.  Excellent service.  Professional and kind.

Randy & Kari

Graystone Mortgage Client Testimonials
2016-12-15T23:07:53-06:00

Randy & Kari

Rick Carter was amazing.  Excellent service.  Professional and kind.

Great Job Brad!

Brad Toft and his staff were in constant contact with us during the entire process.  Great job!
Graystone Mortgage Client Testimonials
2017-10-16T20:11:51-06:00
Brad Toft and his staff were in constant contact with us during the entire process.  Great job!

“It was a pleasure working with Kathy White”

Kathy White went out of her way to make sure we understood everything.  It was a pleasure working with her!  She is so kind, and has a great spirit.  You can tell that she enjoys her job.  We love you Kathy!!  We are enjoying our home so much.  Thanks again for all of your help!

Zachary & Rebecca

Graystone Mortgage Client Testimonials
2016-08-11T19:44:01-06:00

Zachary & Rebecca

Kathy White went out of her way to make sure we understood everything.  It was a pleasure working with her!  She is so kind, and has a great spirit.  You can tell that she enjoys her job.  We love you Kathy!!  We are enjoying our home so much.  Thanks again for all of your help!

“Kathy White is great. We would never consider using anyone else…”

Kathy White is great.  We would never consider using anyone else for our mortgage needs.  Kathy not only has the experience and expertise to get things done, but her character and integrity are what sets her apart from others.  She will not make promises that are unrealistic and follows through on the commitments that she makes.  It's refreshing to work with someone like Kathy knowing that she can be completely trusted to represent our best interests.

Pat & Cindy

Graystone Mortgage Client Testimonials
2016-08-29T18:36:12-06:00

Pat & Cindy

Kathy White is great.  We would never consider using anyone else for our mortgage needs.  Kathy not only has the experience and expertise to get things done, but her character and integrity are what sets her apart from others.  She will not make promises that are unrealistic and follows through on the commitments that she makes.  It's refreshing to work with someone like Kathy knowing that she can be completely trusted to represent our best interests.

“If you are buying or…thinking about a refi you must consider Kellie.”

Kellie Stone is the best. I am grateful to have someone with the integrity she has in my life. She is a hard worker and goes out of her way to exceed your expectations. If you are buying or selling a home or even thinking about a refi you must consider Kellie. I have met a few lenders in my years but few if any can match the levels of service she provides. Kellie is the BEST in the biz and that’s all there is to it.
Rob A.
Graystone Mortgage Client Testimonials
2019-07-24T12:23:35-06:00
Kellie Stone is the best. I am grateful to have someone with the integrity she has in my life. She is a hard worker and goes out of her way to exceed your expectations. If you are buying or selling a home or even thinking about a refi you must consider Kellie. I have met a few lenders in my years but few if any can match the levels of service she provides. Kellie is the BEST in the biz and that’s all there is to it. Rob A.

“I didn’t know it could be so easy. Kellie made it a breeze…”

Kellie helped us when we bought our home. I didn’t know it could be so easy. In the past buying a home and the financing involved was a nightmare. Kellie made it a breeze AND she is nice!

Christine J.
Graystone Mortgage Client Testimonials
2019-07-24T12:27:47-06:00
Kellie helped us when we bought our home. I didn’t know it could be so easy. In the past buying a home and the financing involved was a nightmare. Kellie made it a breeze AND she is nice! Christine J.

“We have refinanced with Kellie a couple of times”

We have refinanced with Kellie a couple of times and it was fast and easy with the best rates possible. Great experience we would recommend her to everyone.

—David M.
Graystone Mortgage Client Testimonials
2019-07-24T12:29:59-06:00
We have refinanced with Kellie a couple of times and it was fast and easy with the best rates possible. Great experience we would recommend her to everyone. —David M.

“Kellie was such a joy to work with.”

Kellie was such a joy to work with. We refinanced the mortgage on our home and she “held our hands” through the entire process. She has many steps digitally automated which was very helpful. Kellie was always reachable for any questions we had, and her staff was helpful as well. The entire process seemed very efficient and time-sensitive. Thanks, Kellie, for your years of experience and expertise and for making the process relatively “pain free.” Kellie is awesome.

Carolyn B
Graystone Mortgage Client Testimonials
2019-07-24T12:25:09-06:00
Kellie was such a joy to work with. We refinanced the mortgage on our home and she “held our hands” through the entire process. She has many steps digitally automated which was very helpful. Kellie was always reachable for any questions we had, and her staff was helpful as well. The entire process seemed very efficient and time-sensitive. Thanks, Kellie, for your years of experience and expertise and for making the process relatively “pain free.” Kellie is awesome. Carolyn B

“Holly Stirling made things simple”

The urgency Holly gave my loan was appreciated.  I was pressed for time and they made things simple.

Anonymous

Graystone Mortgage Client Testimonials
2016-08-11T19:39:44-06:00

Anonymous

The urgency Holly gave my loan was appreciated.  I was pressed for time and they made things simple.

“Holly Stirling was willing to discuss the market”

Holly Stirling was very willing to discuss market movements with me, including the pros and cons of locking early.

Kelly

Graystone Mortgage Client Testimonials
2016-08-01T22:22:14-06:00

Kelly

Holly Stirling was very willing to discuss market movements with me, including the pros and cons of locking early.

“More than I would have ever expected from Holly”

My experience with Holly was more than I would have ever expected.  She always got back to me when I called or emailed her, and always gave me accurate information.

Daniel

Graystone Mortgage Client Testimonials
2016-08-01T22:20:42-06:00

Daniel

My experience with Holly was more than I would have ever expected.  She always got back to me when I called or emailed her, and always gave me accurate information.

“Kathy is able to explain in a way that anyone can understand”

I first experienced the pleasure of working with Kathy sixteen years ago when I contacted her to begin the process of buying our first home. A few years later, Kathy was able to get us a refinance that saved us a great deal of money over the years.  Early this year, I again contacted Kathy about doing another refinance, and once again she and her team were able to make, what in my mind, was a complicated process happen easily. Kathy is able to explain details of the process in a way that anyone can understand.  I have heard stories form others about what a nightmare the mortgage or refinance process can be, but our experience with Kathy and her team was quite the opposite. Each step of the process was explained to us, Kathy kept us up to date on the status every step of the way, and best of all, things took place exactly as she said they would. There was absolutely no stress or uncertainty during the refinance thanks to Kathy and her team managing the entire process from start to finish.  Kathy not only has the experience and expertise to get things done, but her character and integrity are what sets her apart from others. She will not make promises that are unrealistic and follows through on the commitments that she makes. It’s refreshing to work with someone like Kathy knowing that she can be completely trusted to represent out best interests.  I would never consider attempting any kind of mortgage or refinance in the future without Kathy and her team working on our side to help accomplish our goals.

Pat & Cindy

Graystone Mortgage Client Testimonials
2016-05-06T14:36:35-06:00

Pat & Cindy

I first experienced the pleasure of working with Kathy sixteen years ago when I contacted her to begin the process of buying our first home. A few years later, Kathy was able to get us a refinance that saved us a great deal of money over the years.  Early this year, I again contacted Kathy about doing another refinance, and once again she and her team were able to make, what in my mind, was a complicated process happen easily. Kathy is able to explain details of the process in a way that anyone can understand.  I have heard stories form others about what a nightmare the mortgage or refinance process can be, but our experience with Kathy and her team was quite the opposite. Each step of the process was explained to us, Kathy kept us up to date on the status every step of the way, and best of all, things took place exactly as she said they would. There was absolutely no stress or uncertainty during the refinance thanks to Kathy and her team managing the entire process from start to finish.  Kathy not only has the experience and expertise to get things done, but her character and integrity are what sets her apart from others. She will not make promises that are unrealistic and follows through on the commitments that she makes. It’s refreshing to work with someone like Kathy knowing that she can be completely trusted to represent out best interests.  I would never consider attempting any kind of mortgage or refinance in the future without Kathy and her team working on our side to help accomplish our goals.

“Kathy White and Heather Jacobs- without a doubt, the best!

Kathy and Heather made the process of getting a home loan practically painless.  They were there with us every step of the way, voices of encouragement, patience and sanity in the nutty world of real estate.  We love them!

Ronald and Amanda

Graystone Mortgage Client Testimonials
2016-05-05T15:11:50-06:00

Ronald and Amanda

Kathy and Heather made the process of getting a home loan practically painless.  They were there with us every step of the way, voices of encouragement, patience and sanity in the nutty world of real estate.  We love them!

“Kathy White went way beyond our expectations”

Kathy White and the team at Graystone Mortgage were absolutely wonderful to work with.  They went way beyond our expectations.  Kathy spent many hours during the week and weekend providing us awesome service.  She made sure we were updated on the status of our application almost daily, and assisted us with what we needed to do to make the process go smoothly.  Without the efforts of Kathy and her team, we would not be the proud homeowners we are right now.

Julia

Graystone Mortgage Client Testimonials
2016-05-02T15:11:26-06:00

Julia

Kathy White and the team at Graystone Mortgage were absolutely wonderful to work with.  They went way beyond our expectations.  Kathy spent many hours during the week and weekend providing us awesome service.  She made sure we were updated on the status of our application almost daily, and assisted us with what we needed to do to make the process go smoothly.  Without the efforts of Kathy and her team, we would not be the proud homeowners we are right now.

“Sincerely grateful for your expertise”

We really appreciated meeting with Sam and Nikki today.We enjoyed the conversation and are sincerely grateful for your expertise.  Our sincere thanks for your comments- they are very helpful!

Frank

Graystone Mortgage Client Testimonials
2016-04-28T19:25:15-06:00

Frank

We really appreciated meeting with Sam and Nikki today.We enjoyed the conversation and are sincerely grateful for your expertise.  Our sincere thanks for your comments- they are very helpful!

“Always a pleasant transaction with Pamela”

I've worked with Pamela and her team on one home purchase and two refi's over the past 5 years.  Always a pleasant and value added transaction.  Thanks Pamela and team!

Rich

Graystone Mortgage Client Testimonials
2016-04-28T17:13:25-06:00

Rich

I've worked with Pamela and her team on one home purchase and two refi's over the past 5 years.  Always a pleasant and value added transaction.  Thanks Pamela and team!

“Brad Toft and his team were a pleasure”

Brad and his team were a pleasure to work with.  Questions were answered quickly and problems addressed right away.  We highly recommend Graystone Mortgage if you are looking for a competent and customer service oriented company.

Barbara

Graystone Mortgage Client Testimonials
2016-04-28T16:16:17-06:00

Barbara

Brad and his team were a pleasure to work with.  Questions were answered quickly and problems addressed right away.  We highly recommend Graystone Mortgage if you are looking for a competent and customer service oriented company.

“Honest, reliable, and reasonable”

I found Ryan to be both honest, reliable, and a reasonable person to work with.  I would highly recommend his services.  In fact, I am using him again to refi one of my rental properties.

Rose

Graystone Mortgage Client Testimonials
2016-04-28T16:13:27-06:00

Rose

I found Ryan to be both honest, reliable, and a reasonable person to work with.  I would highly recommend his services.  In fact, I am using him again to refi one of my rental properties.

“A real nerd as far as loans are concerned”

When I was referred to Ryan, he was affectionately called "a real nerd as far as loans are concerned."  He really is so knowledgeable and was happy to thoroughly explain things to me, sometimes repeatedly.  I'll definitely come to him in the future and hope to have as smooth and simple of an experience as we did this time around.  Don't hesitate to give Ryan a try!"

Andrea

Graystone Mortgage Client Testimonials
5.0
2016-04-28T16:02:57-06:00

Andrea

When I was referred to Ryan, he was affectionately called "a real nerd as far as loans are concerned."  He really is so knowledgeable and was happy to thoroughly explain things to me, sometimes repeatedly.  I'll definitely come to him in the future and hope to have as smooth and simple of an experience as we did this time around.  Don't hesitate to give Ryan a try!"

“Ryan was ALWAYS available!”

He helped us to understand the things we were signing and he was always available when we needed something.  He even offered to help us move!  I highly recommend going through Ryan!"

Kenleigh

Graystone Mortgage Client Testimonials
5.0
2016-04-28T15:58:18-06:00

Kenleigh

He helped us to understand the things we were signing and he was always available when we needed something.  He even offered to help us move!  I highly recommend going through Ryan!"

“Ryan Bolton was great!”

Ryan Bolton was great!  He met all of our expectations from the start to closing.

Wallace
Graystone Mortgage Client Testimonials
2016-03-29T00:25:00-06:00
Ryan Bolton was great!  He met all of our expectations from the start to closing. Wallace

“Carey Valentine was very professional”

Carey Valentine was very professional and always went the extra mile!

James
Graystone Mortgage Client Testimonials
2016-03-29T00:25:00-06:00
Carey Valentine was very professional and always went the extra mile! James

“Carey Valentine did everything Exceptionally Well!”

Carey Valentine did everything Exceptionally Well! She is the very best lender we have ever worked with.

Jared
Graystone Mortgage Client Testimonials
2016-03-29T00:24:55-06:00
Carey Valentine did everything Exceptionally Well! She is the very best lender we have ever worked with. Jared

“Holly Stirling was personal, patient, efficient”

Holly Stirling was personal, patient, efficient, and had a sense of humor.

Steven
Graystone Mortgage Client Testimonials
2016-03-29T00:24:55-06:00
Holly Stirling was personal, patient, efficient, and had a sense of humor. Steven

“Carey Valentine…convenient for us”

Carey Valentine met me at my house for all of the docs I needed, and she met us at a place convenient for us for closing.

James
Graystone Mortgage Client Testimonials
2016-03-29T00:24:55-06:00
Carey Valentine met me at my house for all of the docs I needed, and she met us at a place convenient for us for closing. James

“Holly is on it!”

Holly is on it! She responds in a very timely manner. It’s as if we are the only client she is currently working with. She’s awesome and very knowledgeable.

Bran
Graystone Mortgage Client Testimonials
2016-03-29T00:24:55-06:00
Holly is on it! She responds in a very timely manner. It’s as if we are the only client she is currently working with. She’s awesome and very knowledgeable. Bran

“Kipp Myers…went above and beyond”

Kipp Myers provided very timely service.  Graystone Mortgage went above and beyond to meet my needs.

Christina
Graystone Mortgage Client Testimonials
2016-03-29T00:24:55-06:00
Kipp Myers provided very timely service.  Graystone Mortgage went above and beyond to meet my needs. Christina

“Holly…accommodate[d] our difficult schedules”

Holly came into her office after hours to accommodate our difficult schedules.

Casey-Anne
Graystone Mortgage Client Testimonials
2016-03-29T00:24:49-06:00
Holly came into her office after hours to accommodate our difficult schedules. Casey-Anne

“Holly Stirling was friendly, knowledgeable, and very helpful.”

Holly Stirling was friendly, knowledgeable, and very helpful. Always easy to get in contact with. I knew she had my best interest in mind.

Catherine
Graystone Mortgage Client Testimonials
2016-03-29T00:24:49-06:00
Holly Stirling was friendly, knowledgeable, and very helpful. Always easy to get in contact with. I knew she had my best interest in mind. Catherine

“Danell Myers is the reason we were able to buy our house”

Danell Myers is the reason we were able to buy our house before we sold our condo. She was creative in helping us get a loan. She is a very professional, knowledgeable woman with great follow-up and follow through.

Donald
Graystone Mortgage Client Testimonials
2016-03-29T00:24:49-06:00
Danell Myers is the reason we were able to buy our house before we sold our condo. She was creative in helping us get a loan. She is a very professional, knowledgeable woman with great follow-up and follow through. Donald

“Holly was always available.”

Holly was always available. She made the loan process understandable and, dare I say, a little fun!

Jamie
Graystone Mortgage Client Testimonials
2016-03-29T00:24:49-06:00
Holly was always available. She made the loan process understandable and, dare I say, a little fun! Jamie

“Kipp Myers was always willing to take my calls.”

Kipp Myers was always willing to take my calls. I liked that personal touch.

Marilyn
Graystone Mortgage Client Testimonials
2016-03-29T00:24:49-06:00
Kipp Myers was always willing to take my calls. I liked that personal touch. Marilyn

“Holly…the experience with her felt like a good friend helping us”

As a first time home buyer, Holly Stirling and her assistant, Julie, went above and beyond to make sure that we were treated exceptionally well. We never felt like one of her clients. Instead, the experience with her felt like a good friend helping us with a home loan.

Daniel
Graystone Mortgage Client Testimonials
2016-03-29T00:24:49-06:00
As a first time home buyer, Holly Stirling and her assistant, Julie, went above and beyond to make sure that we were treated exceptionally well. We never felt like one of her clients. Instead, the experience with her felt like a good friend helping us with a home loan. Daniel

“Carey Valentine went above our expectations”

Carey Valentine went above our expectations in the collecting and gathering of documentation. We would not have made our deadlines if not for her.

Dennis
Graystone Mortgage Client Testimonials
2016-03-29T00:24:44-06:00
Carey Valentine went above our expectations in the collecting and gathering of documentation. We would not have made our deadlines if not for her. Dennis

“Holly Stirling kept me updated and on track.”

Holly Stirling kept me updated and on track. She went out of her way to lock in my interest rate when it was at it’s lowest.

Joshua
Graystone Mortgage Client Testimonials
2016-03-29T00:24:44-06:00
Holly Stirling kept me updated and on track. She went out of her way to lock in my interest rate when it was at it’s lowest. Joshua
5
2