Buy Your First Home with Confidence

Step-by-step support, tailored loan programs, and clear guidance — we make homeownership easier for Utah buyers.

Who are
Non-QM loans for?

Non-Qualified Mortgage loans are designed for any home purchase or refinance that doesn’t fit traditional guidelines. By going beyond the norm, we can help more people achieve their homeownership goals.

That includes self-employed borrowers, real estate investors, homebuyers without a Social Security number, people who recently went through a credit event, and so many more!

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Row of modern houses with stone pillars and black shingle roofs in front of snow-capped mountains under a clear blue sky.

Park City’s Premier Mortgage Banker

With over 20 years of experience, Rodrigo Ballon is a certified mortgage lender dedicated to helping all residents, second-home buyers, and investors achieve their homeownership goals.

Backed by CrossCountry Mortgage, one of the nation’s largest and most trusted lenders, our team provides competitive rates and a full range of products — from NonQM, Bank Statement, Debt Service Coverage Ratio, Foreign Investors and all other traditional products such as FHA, VA, Jumbo mortgages and more.

We pride ourselves on quick approvals, clear communication, and personalized guidance at every step, from pre-approval through closing, whether you’re purchasing your first home or expanding your portfolio.

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Key Loan Types to Feature

Flexible mortgage programs tailored to today’s diverse borrower needs.

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Jumbo Loans

A jumbo loan is a non-conforming mortgage that exceeds FHFA limits, isn’t backed by Fannie Mae or Freddie Mac, and follows lender-set terms.

Non-QM Loans

Non-QM loans use alternative qualification guidelines with flexible income and credit requirements. Because they fall outside traditional standards, they aren’t backed by government agencies and may require higher rates or larger down payments.

Bank Statement Loans

Designed for self-employed borrowers, this program uses bank deposits instead of tax returns to help you qualify for a home loan.

Conventional Fixed Rate

A fixed-rate mortgage keeps your interest rate and payments consistent for the entire term, with options from 10 to 30 years and potential refinancing if rates drop.

FHA Loans

An FHA home loan is a government-backed mortgage program that can make it easier for people to become homeowners. FHA mortgage loans are insured by the Federal Housing Administration (FHA), which is part of the U.S. Department of Housing and Urban Development (HUD).

VA Loans

A VA loan is a mortgage that’s guaranteed by theU.S. Department of Veterans Affairs (VA). This guarantee helps us offer qualified Veterans, Active-Duty Military, and others more favorable terms on a home loan ormortgagerefinance.

Trusted by Homebuyers Across Utah

Hear directly from clients who experienced a smooth, supportive mortgage journey.

Rodrigo and his team were there every step of the way, explaining all our options with clarity and patience. They went above and beyond to ensure a smooth, stress-free closing.

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Carl L.

Park City, UT

We had a difficult loan that other lenders couldn’t close - big banks, brokers, even a credit union. Rodrigo knocked it out in about 10 days like it was nothing.

Omar G.

Park City, UT

My tax situation is complex due to business ownership, but Rodrigo understood the nuances and navigated them efficiently. Highly organized, clear communication, and kept everything on timeline.

Brandon B.

Park City, UT

Rodrigo was by far the best Loan Officer I have ever dealt with (I've dealt with over 20 in my lifetime). He got it done, when no-one else could. Super fast, always followed up, always answered the phone- He knows the loan business like the back of his hand!

Craig W.

Huntington Beach, CA

Phenomenal experience. The entire process was extremely smooth. From start to finish the team was communicative and ensured that we were only being asked for documentation once. I couldn't recommend this team more.

Alexis K.

Santa Ana, CA

The enitre team was prompt, professional and thorough. They never asked for the same thing more than once and treated us with the upmost respect. We closed on time even though we had a few changes along the way. I would highly recommend them.

Biscottisbeach

Heber City, UT

Rodrigo is extremely knowledgeable and does what he says he’s going to do. Multiple deals closed earlier than expected. Not surprised he’s one of the top lenders in multiple states.

Melissa G.

Park City, UT

Rodrigo brings a personal touch that makes the process smooth and far less stressful. He consistently went above and beyond and was always available when we needed him.

Mallory K.

Park City, UT

As first-time home buyers, we had many questions. Rodrigo and his team guided us through everything with excellent communication, transparency, and efficiency.

Jeremy D.

Park City, UT

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Why Choose Us

Trusted guidance, flexible solutions, and a seamless mortgage experience from start to finish.

Unique value propositions

We provide customized loan strategies designed around your financial goals, not one-size-fits-all guidelines.

Quick qualification process

A streamlined approval process designed to deliver clarity and faster decisions.

Expert loan officers

Work directly with experienced mortgage professionals committed to guiding you every step of the way.

Testimonials / Social Proof

Real success stories from clients who trusted us to simplify their home financing journey.

Let’s Make Your Home Goals a Reality

Whether you're buying, refinancing, or investing, our team is here to guide you every step of the way.

Get in Touch

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With over 20 years of experience, Rodrigo Ballon, backed by CrossCountry Mortgage, provides trusted mortgage solutions for homebuyers, investors, and refinancers across Utah and beyond — delivering competitive rates, clear guidance, and personalized service every step of the way.

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