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Loan Advisor

Scott Asbell

NMLS #270856

Loan Advisor  • Provo Branch

Cell: 801.368.2900
Fax: 855.706.5574
Licensed in UT

About Scott


Welcome to Mountain West Mortgage and the Asbell Team.

Here you will find a team of some of the brightest and most grounded mortgage professionals in the country.  Each has his or her own strengths and areas of expertise which is complimented by the team’s combined one hundred sixty-one years of mortgage experience.  This is a team you can trust!  This is a team that does not “practice” on its clients – we know what we are doing and we use that knowledge to help you solve problems and reach your goals.

On a personal note, I grew up in Draper, Utah where I met my wife in the second grade - she wiped out my entire marble collection that year. After graduating from Alta High and serving an LDS mission in Guayaquil, Ecuador, I married Ann Cutler and graduated from BYU with a Masters degree in Accounting.  I spent a few years in public accounting and then moved into the mortgage industry.  After gaining some valuable experience at couple of mortgage companies, I founded Rocky Mountain Mortgage Group in 1997 where I served as the Managing Partner for thirteen years.  My knowledge and experience as a CPA from 1994 to 2016 gives me a unique set of skills in the mortgage industry and has made me an expert in self-employed borrowers and investment property financing.  I am a runner with a few marathons under my belt and an avid bass fisherman.  I love weekend fishing trips to Lake Powell with family and friends.

 My “Why”

Someone recently asked me, “Scott, why do you work so hard?  What motivates you to get out of bed every day? Why are you willing to sacrifice so much for your clients at this stage of your career?”

What is the driving force behind my purpose, my cause, my belief, and my passion?  Why does my company exist and why am I in this business.

For years I paid attention to the financial experts and followed their “expert” advice, only to learn in the economic crisis of 2008 and 2009 that I had backed myself into a corner and limited my options by not putting first things first.  Shortly thereafter, my wife and I re-tooled our entire financial strategy and created a common-sense system for making decisions that deal with money – we called it “The Six Buckets of Financial Priorities.”

Serving as a mortgage consultant and educating my clients is one of the most direct ways I can help others avoid the mistakes I have made.  I love educating people about how to have financial peace in their lives through budgeting, proper financial priorities, and simple money smarts – and how and when a mortgage helps to make all of that that happen.  I believe everyone can arrive at a place of financial freedom and security if they are properly educated.  There is so much false information out there and most people simply don’t know where to go to find the truth.

Ironically, I help people get into the largest debt they will probably ever acquire – and then I teach them how to get out of it and create a future of freedom and security.  I know that owning a home is not about a tax deduction or just an alternative to renting; home is a place where memories are made and legacies are created that pass from one generation to the next.  I want to be part of creating a legacy of financial intelligence that gets passed on from my clients to their children and grandchildren – something that sets them free to live the lives they were born to live without being held back by the rut of ignorance.

I believe in financial freedom and security, peace, treasured memories, and passing on a legacy of love and financial intelligence.  That is what gets me out of bed every day and I love creating that for other people who believe in the same thing.  That is why I do it!

 

  Branch Address: 180 N University Ave, Ste 270, Provo, UT 84601

 

 

 

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

Home Buyer Blog