Business Details
24 Years
experience
Your Trusted Mortgage Partner in Salt Lake City
At Axent Funding, we specialize in residential mortgage solutions tailored to individual borrower needs. Since 2002, our team of skilled loan consultants has leveraged relationships with multiple lenders to secure competitive rates and customized financing options. Unlike traditional banks with limited programs, we offer diverse loan products including conventional, FHA, VA, jumbo, and niche mortgages for construction, refinancing, and investment properties.Our expertise in underwriting processes ensures efficient loan approvals while maintaining a client-first approach. With 25% lower fees than industry averages and no hidden processing charges, we prioritize transparency throughout the mortgage journey. Our Salt Lake City-based team serves all Utah markets, combining local market knowledge with national lending resources to deliver exceptional service.
Services
Mortgage Loans
Refinance Loans
FHA Loans
VA Loans
Jumbo Loans
Home Equity Lines
Reverse Mortgage
Construction Loans
Commercial Loans
Non-QM Mortgage
Details
- Year established: 2002
Highlights and features
- 25% lower fees than industry averages
- No processing or junk fees
- Loan closings in 3 weeks or less
- Owner with 19 years mortgage experience
- Serves all Utah metropolitan areas
Associations and certifications
- NMLS
What people say
Fantastic rate
Smooth process
Great to work with
Lowest rates
Excellent service
Services
Mortgage Loans
We offer comprehensive mortgage solutions for primary residences, second homes, and investment properties. Our loan products include conventional, FHA, VA, and jumbo mortgages with down payment options starting at 3%. Competitive rates and flexible terms up to 30 years help borrowers achieve homeownership goals while maintaining financial stability.
Refinance Loans
Our refinance programs help homeowners reduce monthly payments, shorten loan terms, or access home equity. Options include rate-and-term refinancing, cash-out refinancing, and no-fee mortgage programs. We specialize in streamlining the refinance process with competitive rates and rapid closing timelines.
FHA Loans
We provide FHA-insured mortgages requiring as little as 3.5% down payment with flexible credit requirements. These loans suit first-time buyers and those with limited credit history, offering competitive rates and gift funds for down payments while maintaining accessible qualification standards.
VA Loans
Our VA loan program offers eligible veterans zero-down financing with competitive rates and no mortgage insurance requirements. We specialize in processing VA loans efficiently, leveraging government guarantees to provide favorable terms for military service members and their families.
Home Equity Lines
We offer home equity lines of credit for debt consolidation, home improvements, or financial management. With credit scores starting at 680, borrowers can access up to 90% of their home's value through flexible draw periods and competitive variable rate structures.
People
Michael R. Visser
President & Mortgage Broker
Mortgage industry veteran since 1994 with 19 years as Axent Funding owner. Former senior underwriter with national wholesale lender. Specializes in all mortgage types and rapid loan closings. Fluent in French with Utah licensing.
Jeffery Pike
Loan Officer
Mortgage professional with 15+ years experience since 1998. Provides personalized loan solutions while maintaining Utah licensing. Fluent in Spanish with expertise in diverse mortgage products and client-focused service delivery.
Questions
Can I qualify for a mortgage with less than 20% down payment?
Yes, we offer programs requiring as little as 3% down. FHA loans require 3.5% down, while VA loans allow zero down payment for eligible veterans.
Do you offer custom loan programs?
Yes, we access multiple lenders to find tailored solutions. Our brokers match borrowers with programs fitting unique financial situations rather than offering one-size-fits-all products.
How quickly can you close a mortgage?
We typically close loans in 3 weeks or less. Our fastest recent closing completed in 18 days from application to funding, including weekends.
What mortgage types do you offer?
We provide conventional, FHA, VA, jumbo, reverse mortgages, home equity lines, construction loans, and specialty products for investment properties and non-qualified mortgages.
Can I use retirement funds for a down payment?
Yes, we accept IRA and 401(k) distributions for down payments. Consult your accountant for tax implications and optimal withdrawal strategies before proceeding.
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