WMS has the financing solutions others simply can’t offer.
Contact UsAt Western Mortgage Services, we are experts in “hard money” loans—we provide financing solutions when other lenders simply can’t.
WMS has served residential homeowners and real estate investors in Utah for over ten years. We fund residential, commercial, multi-family, and land loans that don’t meet the qualifications for traditional funding. Homeowners, investors, and real estate agents trust us to close the most challenging loans in just days.
"My clients and I have done business with Richard Kime for over ten years. He is the premier hard money lender in Utah. He can make a loan quickly even when others can’t. If he says he will do it, you can count on him to complete and fund the loan. He is easy to deal with and understands the entire process completely. He is fair, honest, and knowledgeable. He can make it happen." - Steve Goorman
Owner, Citywide Home Loans
WMS can help you achieve the goal of homeownership, even if you can't qualify for a traditional mortgage right now. Whatever the reason, we are here to help.
Show More +Obtaining a traditional mortgage can be difficult for a variety of reasons. Self-employment, no credit or poor credit history, or a past foreclosure or bankruptcy can stop you from purchasing a home. Whether you are a homeowner yourself, or a real estate agent working with clients who can't qualify for a conventional loan, we can help.
WMS offers long-term financing on both primary residences and investment property anywhere in Utah, even in difficult circumstances. We can lend up to 70% of a residential property's value. Our funding process is fast and simple. We can close and fund a loan on a primary residence in about 14 days and an investment property in 4 or 5 days.
WMS has solutions for debt consolidation or equity loans—even in the most difficult of situations. If the banks have turned you down, a hard money loan may be the solution.
Show More +Property owners may need to consolidate debt or acquire an equity loan for many reasons. In some cases, a borrower can't begin to improve their credit until they have paid off old debts. Whether it is to pay off judgments, settle tax liens, or consolidate high-interest debts, you can fix these kinds of problems with an equity loan or debt consolidation loan from WMS.
An equity loan can help pay for home improvements, provide business capital, or be used in any situation when other lenders can't help, whether business or personal. WMS makes the process fast and easy.
Difficult Situations
Because we make private "hard money" loans, we have flexibility that other lenders don't have. Facing Foreclosure or a substantial financial emergency can be overwhelming. But even in these cases, we may be able to give you a new mortgage, with the opportunity to start over.
WMS has worked with hundreds of borrowers in these kinds of difficult circumstances. A hard money loan can be a lifesaver during a financial emergency. If the situation requires it, we can close in as few as 4 days.
Obtaining a loan on a commercial property or piece of land can be a challenging and lengthy process – even in the best circumstances. A hard money loan may be the alternative when other lenders can't help.
Show More +If you can't get the loan you need elsewhere, or just need money quickly, we may have the solution for you. We can lend up to $400,000.00 and close quickly. We don't require a credit report or a 3rd party appraisal and we will lend up to 50% of a commercial property's value. Whether you need money for business capital or for any other reason, WMS can help when others can't, and can close your commercial loan in as few as 5 days.
We consider loans on raw land and empty lots on a case-by-case basis.