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Branch Manager

Ron Winterton

NMLS #306123

Branch Manager | Loan Advisor • Orem Branch 

Cell: 801.787.1873
Fax: 855.710.7498
Licensed in UT

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About Ron

Ron C. Winterton started in the mortgage industry in 1997 and after working in the industry for over 20 years he has had the opportunity to serve hundreds of clients and help them realize the American Dream of home ownership.  As a Producing Branch Manager with American Pacific Mortgage he loves working with clients with all kinds of financing needs.  The most important thing for Ron in his business is to get to know his clients and their needs so he can make sure that they are informed about all their finance options.  Taking time to educate his clients about the mortgage process and making sure that every aspect of the process “Makes Sense, Sounds Right and Feels Right” so that all of his clients questions are answered is the main focus of the service he offers.  Ron feels that offering his clients personalized service and providing  programs to meet their home financing needs along with a strong commitment to his clients, even after their loan is closed, is the primary factor of his success.  American Pacific’s Values of Respect, Transparency and Scrappy, reflect Ron’s commitment to his clients. 

Ron has served in many positions for local and State associations.  In addition to having served in many positions for the Utah Valley Homebuilders Association, Ron also served on the State Board of Governors for the Utah State HBA, as President of the Utah Mortgage Lenders Association (UMLA), served on the State Board of Governors for the UMLA for over 7 years, and in several positions for the Utah County Association of Realtors. 

Ron’s greatest joy is his Wife and family. He loves spending time with his family in a variety of activities from traveling, hiking, climbing and camping to scuba diving and riding horses.  Having the opportunity to explore the great outdoors and experience new destinations, and make new friends is a lifelong passion.

Ron always encourages colleagues and affiliates in the housing & mortgage industry to get involved and be active in local and state organizations that support the housing industry.  “I feel that being an active member in your local community is vital to protecting the housing industry and keeping the American Dream of Homeownership alive and accessible now and into the future.” 



 Branch Address:  566 West 800 North, Suite 203 Orem, UT 84057

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 Suits 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 between various loan options.

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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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Home Buyer Blog

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 may stand out 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. Secure Lock 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 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