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Mortgage Home Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.  Learn More
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered. Learn More
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More
6

Closing

Signing the final documentation and receiving the keys to your new home! Learn More

Documentation:

Appraisal:

Underwriting:

Conditional Approval:

Clear to Close:

Closing:

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All about Draper

Draper is a city in Salt Lake and Utah counties in the U.S. state of Utah, located about 20 miles (32 km) south of Salt Lake City along the Wasatch Front. As of the 2020 census, the population is 51,017, having grown from 7,143 in 1990.

Draper is part of two metropolitan areas – the Salt Lake County portion is included in the Salt Lake City metropolitan area, while the Utah County portion is part of the Provo-Orem metropolitan area.

The Utah State Prison is located in Draper, near Point of the Mountain, alongside Interstate 15. The execution of Gary Gilmore took place there on January 17, 1977. The Utah Legislature voted to relocate the state prison in Draper in 2014 and approved the Salt Lake City location recommended by the prison relocation commission in August 2015. The Draper Prison will be closing in 2022. Inmates will be moved from the Utah State Prison in Draper to the new prison facility in Salt Lake City; the new prison is slated for completion in mid-2022.

Draper has two UTA TRAX stations (Draper Town Center, 12300/12400 South and Kimball’s Lane 11800 South) as well as one on the border with Sandy (Crescent View 11400 South). A FrontRunner commuter rail station serves the city’s west side. The city has around 5 FLEX bus routes connecting neighboring communities and 2 bus routes to Lehi Frontrunner Station and River/Herriman connecting at Draper Town Center and the Draper Frontrunner Stations respectively.

Source: https://en.wikipedia.org/wiki/Draper,_Utah

History of Draper

In the fall of 1849, Ebenezer Brown brought cattle to graze along the mountain stream of South Willow Creek. The next spring, Ebenezer moved with his wife Phebe (“Phebe Draper Palmer Brown”) and their family to settle in Sivogah, the Native American name for the area which means “Willows.” By the end of 1850, residents of the small settlement consisted of Ebenezer Brown and his three children (by a prior marriage), Phebe Draper Palmer-Brown, and her two children (by a prior marriage), and Phebe’s brother, William Draper, Jr. and his large family numbering about fifteen. Consequently, by the end of the settlement’s first year, the majority of residents were members of the Draper Family, and William Draper, Jr. was soon called to be the presiding elder for The Church of Jesus Christ of Latter-day Saints in the area. During this time, the Drapers mainly farmed, and Ebenezer Brown ranched and sold cattle to immigrants heading to the goldfields of California along what became the Mormon Road. More settlers moved to Draper in the next few years. Later the area was called South Willow Creek. By 1852, 20 families lived along the creek. In 1854, the first post office was established with the name Draperville in recognition of William Draper, Jr. and its other Draper residents. The name of the town in later years was shortened to Draper. (William Draper, Sr., father of both William and Phebe Draper, who was older at the time of his family’s settlement of Draper is buried in the town cemetery.)

Hostilities with the Native Americans began in 1854, and a fort was established where the local settlers lived, during the winters of 1855 and 1856. The fort was never completed, as the feared hostilities did not materialize, and its former location is now the site of the Draper Historical Park and the aptly-named Fort Street.

In the 1940s, Draper was known as the “Egg Basket of Utah.” Eggs produced in Draper were marketed from coast to coast and the co-op furnished eggs for the military troops in the South Pacific during WWII. The poultry business was the single most important economic industry in Draper during this time. One large poultry farm was the Washburn Poultry Farm run by Bruce D. Washburn with over 10,000 chickens during the 1950s.

Draper remained a small farming community until the late 1990s when its population began growing exponentially from 7,257 in 1990 to an estimated 47,710 in 2018. Draper was incorporated as a city in 1978.

Source: https://en.wikipedia.org/wiki/Draper,_Utah

Geography & Climate in Draper

Draper City is nestled in the far southeast corner of the Salt Lake Valley, with the Wasatch Mountain Range on the east and the Traverse Ridge Mountain on the south. At the Point of the Mountain, Draper is known for one of the most popular and best wind areas in the country for hang gliding and paragliding.

Draper lies roughly midway between Salt Lake City and Provo. Draper is bordered by Riverton and Bluffdale to the west, South Jordan to the northwest, Sandy to the north, Alpine to the southeast, Highland to the south, and Lehi to the southwest.

According to the United States Census Bureau, the city has a total area of 30.1 square miles (78.0 km2), of which 30.1 square miles (77.9 km2) is land and 0.015 square miles (0.04 km2), or 0.05%, is water.

Draper’s climate is roughly identical to that of other Salt Lake City suburbs. However, due to being further away from the Great Salt Lake, varied elevation, and from the downtown urban heat island effect, Draper experiences a slightly drier winter and more extremes in temperatures.

The average temperatures in winter and summer respectively are 30 °F to 50 °F, and 80 °F to 100 °F. Springs are usually mild and wet, while fall can sometimes become an Indian summer with drier weather. Monsoonal moisture from the south usually brings afternoon thunderstorms in July and August. Draper falls on the border of the humid continental/subtropical climatic zones, and is technically a cool/warm semi-arid desert environment, but with summer monsoonal moisture. Snow usually falls regularly from November through March.

Source: https://en.wikipedia.org/wiki/Draper,_Utah

Kevin Mansouri

President Loan Officer  //  NMLS #278321

Kevin Mansouri is the the owner of Mortgage Solutions LLC, a small brokerage in Sandy, Utah. It has been Kevin’s honor to serve Utah as a lender over the past 21+ years. Being small means low overhead and great service. Being a broker means the most competitive rates at the lowest possible cost. The lender pays us a fee to do the loan… NOT YOU!

When it comes to one of the biggest decisions of your life, you need a local expert with a vested interest in getting your loan done right and on time. Please take some time to read the reviews our previous clients have left. If you’re not ready to buy or refinance now, that is ok – let me help you get ready and develop a plan. Call or email me today and let’s get started!

kevin@better-homeloans.com(801) 915-4731
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