MORTGAGE BROKER SERVING UTAH AND IDAHO
Hi, I'm Brittany. Let's open the door to your next home.
I help families make homeownership possible, even when it feels out of reach. Clear answers, a real plan, and someone in your corner from the first call to closing day.
Better Business Bureau A+ rated
Licensed in Utah and Idaho
Shops many lenders, not just one
HOW I CAN HELP
A loan built around your goals, not the other way around
As a mortgage broker, I compare options from many lenders to find the right fit for you. Pick the one that sounds like you.
First-Time Buyers
Step-by-step guidance, low down payment options, and help finding down payment assistance.
Moving Up or Downsizing
A plan to buy your next home and sell your current one without the stress of bad timing.
Refinance to a Lower Rate
Lower your monthly payment or pay your home off sooner. I'll watch rates for you.
Cash-Out and Home Equity
Use your home's value for upgrades, paying off debt, or life goals. Includes home equity lines of credit and second mortgages.
Investors
Grow your portfolio with loans for rentals, including options based on the property's rent instead of your income.
Building a Home
Construction loans that cover building your home, with a clear plan from lot to keys.
Also available: down payment assistance programs, loans for self-employed and business owners using bank statements, and larger loans for higher-priced homes.
WHAT TO EXPECT
Your path home in six simple steps
It is never too early to start. Even if buying is a year away, a quick call now can save you money and stress later.
1
Free strategy call
We talk through your goals, budget, timeline, and questions. No pressure, no cost.
2
Apply and get pre-approved
A simple online application. You'll know exactly what you can afford before you shop.
3
Shop and make a strong offer
I work with you and your realtor to structure your offer and ask the seller for help with costs.
4
We do the heavy lifting
My team gathers documents, orders what's needed, and keeps everything moving on schedule.
5
Appraisal and final approval
The home is valued, final details are cleared, and I walk you through your final numbers.
6
Closing day
Sign, get your keys, and celebrate. I stay your lender for life, watching for ways to save you more.
THINK BUYING IS OUT OF REACH?
It may be closer than you think.
Many of my clients were sure they couldn't buy yet. Here are a few ways we make it work:
You may not need 20% down. Many loan programs offer low down payment options, including programs for veterans and for homes in eligible rural areas.
Down payment assistance. Utah Housing programs can help cover your down payment.
Let the seller help. We can structure your offer so the seller pays toward your closing costs or buys down your rate.
Not ready yet? Get a plan. I'll map out the credit and savings steps to get you there.
CLIENT STORIES
Why clients come back and send their friends
“
As a single woman and first time buyer, Brittany eagerly answered all of my questions honestly and kept me informed throughout the entire process. As things changed with interest rates and loan programs, she directed me towards a better rate than expected.
Chris Amos
First-time homebuyer
“
Brittany is literally the BEST! We've had her help us with some unique financing situations and she always comes through. She is responsive and great at communicating and kept us informed every step of the way.
Jill Franklyn
Repeat client
“
Not only did she get us a great rate when we purchased our home, she connected us later to let us know she could get us an even better rate... and she did.
David Shearling
Purchase and refinance
“
Brittany is fantastic to work with!! We're first time homebuyers and the whole process was so daunting until meeting with Brittany! She laid everything out for us and answered all of our questions in depth. We got a killer interest rate and are SO happy we went with Brittany for our loan!
Sarah
First-time homebuyers
“
She made everything very easy to understand and was very prompt to answer any questions I had along the way. She made me feel very comfortable with the numbers and showing me how much I could afford and clear about what I needed to make it happen.
Marcus Porten
First home
MEET BRITTANY BLACK
I've been where you are.
After a divorce, a bankruptcy, and a short sale of my home, I was a single mom of three wondering if I'd ever own a home again. A mortgage professional sat down with me, gave me a plan, and walked beside me until I had the keys to my own home.
That moment changed my life, and it's why I started Satori Lending Co. I believe everyone deserves the chance to own a home: a safe place for their family and a way to grow their wealth. My promise is honesty, clear answers, and a fierce advocate in your corner.
Today I'm a mom and bonus mom to five, a wife, a speaker, and a Past President of the Utah Association of Mortgage Professionals.
FREE RESOURCES
Learn before you leap
GUIDE
Be a Loan Rockstar
Seven things not to do while you're buying a home, like opening new credit or moving money around.
FOR HOMEOWNERS
Refinance Watch List
Tell me your goal and I'll let you know when rates drop enough to save you real money.
WATCH
Mortgage Tips on YouTube
Short, simple videos that answer the questions buyers ask me most.
FREE GUIDES
Get my step-by-step guide
Enter your email and I'll send you instant access. No spam, just clear answers.
Home Buying Guide
Everything from credit and loan programs to closing day, in plain English.
Refinance Guide
Lower your rate, tap your equity, or pay off debt. Know your options first.
PAYMENT CALCULATOR
What would my monthly payment be?
Play with the numbers. Then let's talk about the real ones for your situation.
COMMON QUESTIONS
Mortgage questions, answered simply
How do I get started?
It starts with a quick consultation so I can learn your goals. Then I'll send you a secure application link and we'll build your plan together.
Will applying hurt my credit score?
No. We start with a soft credit inquiry, so there is no negative impact to your credit score.
What credit score do I need to buy a home?
There isn't one magic number. Many loan programs, including conventional loans, look at your whole file, not just your score. If your credit needs work, I'll give you a clear plan to improve it.
Do I need 20% down to buy a home in Utah?
No. 20% down is not required. There are many down payment options, including low down payment loan programs and down payment assistance through Utah Housing.
Do I need two years at the same job?
No. We need to show that you've been employed for the last two years, but you don't need to have been with your current employer for a full two years.
How long is my preapproval good for?
Technically 90 days. If you haven't found a home by then, we'll do a quick refresh. If your credit and employment haven't changed, your approval is still good to go.
What interest rate will I get?
There are many interest rate options, and the rate you see in headlines is often not the rate you'll get. I review your file and your goals, then go over your options with you to find the best rate for you.
What are closing costs, and how much should I plan for?
Closing costs are the fees to finalize your loan, like the appraisal, title and lender fees. A safe estimate is 1 to 2% of the price. It can be more if you're prepaying property taxes and homeowners insurance, or paying to lower your interest rate.
Can the seller help pay my costs?
Often, yes. Sellers can contribute toward your closing costs or toward lowering your interest rate. I help structure your offer so you ask for what saves you the most.
What documents will I need?
Usually your most recent 30 days of pay stubs, your tax returns and last two years of W-2 forms, two months of bank statements and a photo ID. I'll send you a simple checklist.
When does refinancing make sense?
When it lowers your payment enough to cover the costs in a reasonable time, or helps you reach a goal like paying off debt. Join my Refinance Watch List and I'll tell you when the numbers work.
How long does the process take?
After our first consultation and your application, you'll have an update from me within 48 business hours, often sooner.
Ready to talk? Let's build your plan.
Pick whatever is easiest for you. I'll get back to you quickly.