801-635-6545 | [email protected]

The Experts in Hard Money Lending

WMS has the financing solutions others simply can’t offer.

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About Us

At 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
"I've been in the real estate business in Utah for over 17 years and I've conducted business with Rich Kime for many of them. He is honest and fair, and very capable of funding or facilitating your difficult lending needs. I highly recommend Western Mortgage Services." - Kasey Kershaw
Owner, IDI Real Estate
"Richard has helped my clients get a loan when no one else would give them the money. He is not only good at what he does, but he treats my clients with respect and dignity. I will continue to refer people to Rich and I'm glad to know he's there when I need him..." - Daniel Mauer
Owner, Madison Mortgage

Purchase 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.

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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.

Review the requirements for residential funding.

Debt Consolidation | Equity Loans

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.

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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.

Commercial Loans

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.

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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.

Residential Loan Guidelines

  • Available for Utah properties only
  • Loan amount equal or less than 70% of property value
  • Loan amounts up to $400k
  • 30-year amortization
  • 7 to 15-year balloon payment
  • Income verification required
  • No credit check required
  • No 3rd party appraisal required
  • We perform our own inspection of the property
  • A seller carry-back is allowed on purchase transactions

Commercial Loan Guidelines

  • Loan amount equal or less than 50% of property value
  • Loan amounts up to $400k
  • 30-year amortization
  • 5-year balloon payment
  • Based on stated income
  • No credit check required
  • No 3rd party appraisal required
  • We perform our own inspection of the property
  • A seller carry-back is allowed on purchase transactions

Contact Us

Rich Kime, MBA
PO Box 1387
Bountiful, UT 84011

P: 801-635-6545
F: 801-397-2670

[email protected]