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St. George home loansSt. George Mortgage & Home Loans
Southern Utah financing, second homes included.
The St. George market — and how we finance it.
St. George is one of the fastest-growing areas in Utah, drawing retirees and remote workers with its warm climate and proximity to Zion. Second homes and short-term rentals make up a larger share of transactions here than anywhere else in the state.
Retirees and active-adult buyers, second-home purchasers, remote workers relocating from higher-cost Western markets, and short-term rental investors.
Licensed in Utah. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in St. George.
St. George mortgage questions.
Can you finance a second home or short-term rental in St. George?
Yes. Second-home financing is available, and where a property is rented our DSCR program can qualify it on its rental income — including short-term rental income in many cases, subject to local permitting.
Do you work with retirees using assets rather than wages?
Yes. Asset-depletion programs can qualify you on your assets instead of monthly employment income, which often suits retired buyers far better than conventional documentation.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving St. George, Utah and the surrounding market.
Buying or refinancing in St. George?
Start a quick, no-pressure application and we'll map the right path for your St. George purchase or refinance.