Josh Mettle

Salt Lake City Mortgage Specialist Josh Mettle

At NEO Home Loans, we exist to empower you with financial literacy and help guide your journey to financial freedom.

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FHA Purchase 5.57% Weekly Change 0.18%APR6.604%Weekly Change 0.20%

FHA Refinance 6.25% Weekly Change 0.00%APR7.253%Weekly Change 0.00%

Conventional Purchase 6.16% Weekly Change 0.01%APR6.753%Weekly Change 0.05%

Conventional Refinance 6.43% Weekly Change 0.09%APR6.687%Weekly Change 0.05%

VA Purchase 5.53% Weekly Change 0.10%APR5.78%Weekly Change 0.14%

VA Refinance 6.68% Weekly Change 0.00%APR7.038%Weekly Change 0.00%

*Salt Lake City Mortgage Rates Last Updated: 12/01/2022

Josh Mettle

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Get to Know Josh Mettle

NMLS#219996

Josh got burned by a loan officer and decided to become a mortgage professional and to care for his clients the way he wished he’d been treated. That’s why our team promise is “Say What You Do, Do What You Say, No Surprises!” As one of the top 1% lending teams in the country, our absolute knowledge of the industry and professionalism will be hard at work for you and your family.

Mortgage Calculators Purchase, Refinance & Affordability

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

.5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice. ***PMI is subject to factors such as PMI carrier, credit score, LTV, property type, etc.
Conventional Loans

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
FHA Loans

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
VA Loans

Curious about refinancing your home in Salt Lake City? Rates are historically low and now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Refinancing

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Looking to Purchase?

Purchase Guide

This guide has all the information you need to navigate the home buying process with ease.

More from Zillow

Honest, QUICK CLOSE, low fees, ON TIME!

Adam C - 03/10/2020

Josh is the best. Fairway knows how to treat their clients. Closed on time, was updated through the entire process and was given multiple options. Love the videos provided and always felt like we were a top priority. I would highly recommend Josh to all my family and friends!

Loan Type Conventional
Loan Purpose Refinance
Loan Program 30 Year Fixed
Mortgage services provided by Josh Mettle - Salt Lake City UT

Josh was very responsive, super helpful and really went above and beyond to make everything go through for us!

SarahAndrus1 - 11/22/2019

Josh Mettle was very responsive, super helpful and really went above and beyond to make everything go through for us! We would highly recommend him.

Loan Type Conventional
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Josh Mettle - Salt Lake City UT

Great Experience Overall

Mary R. - 10/30/2019

The communication with your team was phenomenal! Most of the process was smooth and worked without a hitch until the last steps in the process. There were some details that were overlooked 2 separate times that caused a delay in closing and not meeting the agreed upon date with the sellers. I believe the information was provided by us in a timely manner and should have been caught by the professionals who work loan files on an everyday basis. Otherwise, a great experience!

Loan Type FHA
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Josh Mettle - Salt Lake City UT

Josh guided me though an unfamiliar process and did it with grace

alexnmanning - 08/16/2019

Josh guided me though an unfamiliar process and did it with grace. He was always upbeat and happy too answer any of my questions. He was also very fast to get back to me on anything I needed!

Loan Type Conventional
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Josh Mettle - Salt Lake City UT

Amazing team to work with, quick and elaborate process from beginning to the end. Everything went smoothly and efficiently. Completely satisfied!!

jmina6480 - 01/06/2019

Amazing team to work with, quick and elaborate process from beginning to the end. Everything went smoothly and efficiently. Completely satisfied!! A++++++++

Loan Type FHA
Loan Purpose Refinance
Loan Program 30 Year Fixed
Mortgage services provided by Josh Mettle - Salt Lake City UT

Exceptional!

user0713399 - 10/03/2018

Josh and his team are professional, efficient and quick. When an opportunity for investment property came up, Josh was able to have everything ready for a very quick closing. I highly recommend Josh and his team.

Loan Purpose Purchase
Mortgage services provided by Josh Mettle - Salt Lake City UT

Absolutely the BEST!!!

user9432545 - 07/19/2017

As a busy physician at the age of 67, the idea of obtaining a new home loan was stressful. JOSH METTLE was the first loan officer I chose to work with. He is absolutely available via email and phone to answer questions and concerns! His team was fantastic! The loan came through with no problems! YOU ARE THE BEST!!

Loan Type FHA
Loan Purpose Refinance

Josh Mettle Response:
Thank you so much for choosing me to help you with your home loan. My team works hard to make it a smooth process. I am grateful you trusted us with your doctor mortgage.

Mortgage services provided by Josh Mettle - Salt Lake City UT

you for making this happen and a very positive experience.

user469401 - 08/17/2012

Josh, I want to say “ I am FOREVER GRATEFUL for you for giving me this loan and helping me through the process!!!”Josh and his teams @ Citywide Home Loans are truly a professional in all aspects and are extremely responsive which is helpful during what would normally be a very stressful process from start to finish. My loan was handled professionally and efficiently. It was completely stress free for me. I am very pleased with this lender and the service I received . The whole process went very smoothly and closing without any issues, best of all, they got me the rate I wanted.Thank you for making this happen and a very positive experience. You and your team are fantastic. You guys ROCK!!I would highly recommend Josh and his company to anyone in a heartbeat.

Loan Purpose Purchase
Mortgage services provided by Josh Mettle - Salt Lake City UT

His motto is "do what you say, say what you do, no surprises" and his ...

Brett Matsuura - 08/16/2012

I have worked with Josh for more than a decade and worked on countless of transactions with him in both Utah and California. His motto is "do what you say, say what you do, no surprises" and his motto fits him perfect! He is definitly one of the best loan officers in the business and I am happy to recommend him to my clients.

Loan Purpose Purchase
Mortgage services provided by Josh Mettle - Salt Lake City UT

Josh Mettle's Mortgage Blog

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Josh Mettle

Josh Mettle

NMLS#219996 (801) 893-0659 Start Application

We truly appreciate the opportunity to work with you on such an important financial transaction in your life and look forward to exceeding your expectations!

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