Your mortgage deserves more than one lender's answer.
I'm Ron Pippin, an independent mortgage broker in Ogden. I compare multiple lenders for you, explain your options in plain English, and help you land on a payment you can actually live with. Before you accept a quote, or a "no," let's run some numbers together.
Choose your path
Not sure where to start? Pick the situation that fits best.
Before you rule yourself out, let's run some numbers together. Strategic Mortgage compares multiple lenders and checks down payment assistance before you start shopping.
FHA financing offers more flexible credit and qualifying requirements, starting with a 520 or better credit score. Strategic Mortgage compares it with your other options.
I help eligible veterans, service members and surviving spouses use their VA benefit with a clear look at entitlement, funding fees, closing costs and the full payment.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How I work
I've worked inside banks and large mortgage companies. I know the overhead they have to cover and how rigid their rules can be. Different lenders can look at the same borrower and come back with very different answers. So I built Strategic Mortgage to run lean and give you more choices. As an independent broker, I have multiple options, and if one lender's rules stand in the way, we look for another path.
A lender's approval isn't your household budget. We look at the full estimated payment, including taxes, insurance, and any mortgage insurance or HOA dues, and make sure you still have room to live. I'll tell you why I'm recommending a loan, what you give up or gain with each choice, and if a new mortgage won't improve your position, I'll tell you that too.
You don't have to be ready to apply. Start with your questions: the payment, the down payment, the fees, the timing. No pressure, no cost to talk.
I compare lenders, loan types, and any down payment assistance you may qualify for, then walk you through the full payment and the cash you'd need to close.
You'll know where your loan stands, what comes next, and who to call. We work through obstacles early so they don't become closing-day surprises.
Meet your loan officer
You'll work directly with Ron
What I offer
I work with a wide range of loan programs so I can match the right product to your situation.
Before you rule yourself out, let's run some numbers together. Strategic Mortgage compares multiple lenders and checks down payment assistance before you start shopping.
FHA financing offers more flexible credit and qualifying requirements, starting with a 520 or better credit score. Strategic Mortgage compares it with your other options.
I help eligible veterans, service members and surviving spouses use their VA benefit with a clear look at entitlement, funding fees, closing costs and the full payment.
As little as 3% down with a 620 or better credit score. I compare mortgage insurance, closing costs and down payment options across multiple lenders.
You don't have to buy a farm. I check the property's eligibility and review the household-income rules carefully, so you aren't counted out by mistake.
When your loan amount goes above your county's conforming limit, the lender you choose matters more. I compare jumbo lenders so you're not stuck with one bank's rules.
Before you assume you need more savings, let's check your options. Strategic Mortgage looks at Own in Ogden, Utah Housing, Settlers Fund and Home Empowered.
You may not need to wait to buy. I offer physician loan options with no down payment, no mortgage insurance and the ability to exclude eligible student loans from debt ratios.
Traditional, bank-statement, profit-and-loss and eligible 1099 options for business owners and independent contractors, compared across multiple lenders by Strategic Mortgage.
Conventional or DSCR, Strategic Mortgage looks at both paths and compares multiple lenders so your financing matches your investment.
The condo you want may still have a financing path. I find out why the project doesn't qualify and look for specialty lenders that can consider that specific issue.
Change your rate or term, access equity, remove eligible mortgage insurance or restructure debt. Strategic Mortgage shows you what you gain, what it costs and when you come out ahead.
I compare a HELOC, a fixed home equity loan and a cash-out refinance side by side, so you know the real cost before you borrow against your home.
1-0, 2-1 and 3-2-1 buydowns can lower your payment in the early years. I'll show you the payment at every stage, so you have a clear plan for what follows.
I help match financing to your land, your builder, your budget and your timeline, and make sure you understand how the loan works before the first shovel hits the dirt.
The right home may need work. Strategic Mortgage helps you fold the home and eligible improvements into one loan, with the work plan reviewed before you commit.
Buy the home that needs work and roll eligible improvements into one FHA loan. Strategic Mortgage helps you review the work before you commit.
Refinance the home you live in and fund eligible improvements in one FHA loan. Strategic Mortgage helps you see whether it makes sense before you start.
Strategic Mortgage helps Ogden, UT buyers use a Fannie Mae HomeStyle Renovation loan to finance the purchase and eligible improvements together, with one closing and one payment.
Strategic Mortgage helps Ogden, UT homeowners use a HomeStyle Renovation refinance to fold eligible improvements into a new conventional mortgage, with one loan and one payment.
Strategic Mortgage helps Ogden, UT buyers explore non-QM purchase loans that qualify you on assets, rental cash flow or other alternative documentation instead of traditional income paperwork.
Strategic Mortgage helps Ogden, UT homeowners and investors explore non-QM refinance options that qualify on assets, rental cash flow or other alternative documentation.
Your home equity may have a role in your retirement plan. Strategic Mortgage helps you see how a reverse mortgage would affect your cash flow, your loan balance and the equity you keep.
A reverse mortgage for purchase may let you move to a home that fits retirement without taking on a monthly mortgage payment. Strategic Mortgage walks you through how it works and what it costs.
Replace your current mortgage, or an existing reverse mortgage, with a reverse mortgage that may fit retirement better. Strategic Mortgage shows you what you gain, what it costs and what it does to your equity.
Where I lend
Based in Ogden. Licensed in Utah, Idaho & Wyoming.
Ogden, UT is home — the market I know street by street and tax rate by tax rate. But you don't have to be down the road to work with me: I can originate your mortgage anywhere in all 3 states, and the whole process runs by phone, email, and secure online tools.
A mortgage is licensed by the state the property is in — not by how close you are to my office. Wherever you're buying in UT, ID & WY, I can help.
See everywhere I serveTools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.