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Mortgage Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.

2

Appraisal

The appraisal ensures the home you are buying is worth the price that is being offered.

3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.

4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.

5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.

6

Closing

Signing the final documentation and receiving the keys to your new home!

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All about Roy, UT

Roy is a city in Weber CountyUtah, United States, located on the west side of Interstate 15. The population estimate in 2019 was 39,613, an increase of 5.8% from 36,884 at the 2010 Census. It is part of the OgdenClearfield, Utah Metropolitan Statistical Area, and is considered a suburb of nearby Ogden, although some small businesses are present in Roy.

Source: https://en.wikipedia.org/wiki/Roy,_Utah

History of Roy, UT

Previously Eastern Shoshone and Goshute land, Roy was settled in 1873 by William Evans Baker, twenty-five years after Ogden. Most of the communities to the east and south had been settled prior to that time. Previously known as Central City, Sandridge, the Basin, and Lakeview—Roy was ultimately named for a local school teacher’s child, Roy C. Peebles, who had died. On May 24, 1894, a post office was established and Roy’s name was made official. The City of Roy was incorporated on March 10, 1937. Joseph William Jensen was the first mayor of Roy for 6 years, as elected by the commissioners.

Businesses in Roy were limited until the early 1940s. A gas station, several grocery stores, a cafe, and a lumber yard made up the modest business district. However, Roy developed rapidly during World War II. Roy housed many of the workers and personnel from adjacent military installations, including Hill Air Force Base, the Navy Supply Depot (now the Freeport Center), and the Defense Supply Depot. September 1953 marked a milestone in Roy’s history—Roy received a charter to establish the first branch bank in the state of Utah. This branch of the Bank of Utah pioneered the way for other banks to establish branches throughout the state. Norton Parker, son of Mayor Dean Parker, was the first manager of this new branch bank.

Roy’s population growth was extreme in the 1950s and 1960s when most of the eastern bench was populated with entry-level homes. Starting in the 1980s, construction efforts shifted to the bottom of the hill on the west side of Roy, continuing until about 2005 when new real estate shifted west and south.

Source: https://en.wikipedia.org/wiki/Roy,_Utah

Geography and Demographics Roy, UT

Roy is located at 41°10′14″N 112°02′55″W, and encompasses 7.6 square miles (19.7 square kilometers), all land. To the west is the city of Hooper, to the north is West Haven, to the east are Riverdale and Ogden, and the Davis County cities of Clinton and Sunset border Roy on its south.

As of the census of 2010, there were 36,884 people, 10,689 households, and 8,604 families residing in the city. The population density was 4,853 people per square mile (1,872/km2). There were 11,053 housing units at an average density of 1,455.3 per square mile (561.5/km2). The racial makeup of the city was 90.75% White, 1.16% African American, 0.59% Native American, 1.79% Asian, 0.11% Pacific Islander, 3.64% from other races, and 1.96% from two or more races. Hispanic or Latino of any race were 7.68% of the population.

There were 10,689 households, out of which 46.5% had children under the age of 18 living with them, 65.8% were married couples living together, 10.3% had a female householder with no husband present, and 19.5% were non-families. 15.8% of all households were made up of individuals, and 5.8% had someone living alone who was 65 years of age or older. The average household size was 3.06 and the average family size was 3.43.

In the city, the population was spread out, with 33.5% under the age of 18, 11.6% from 18 to 24, 30.6% from 25 to 44, 16.1% from 45 to 64, and 8.3% who were 65 years of age or older. The median age was 28 years. For every 100 females, there were 97.9 males. For every 100 females age 18 and over, there were 94.7 males.

The median income for a household in the city was $49,611, and the median income for a family was $53,763. Males had a median income of $37,286 versus $23,793 for females. The per capita income for the city was $17,794. About 4.2% of families and 5.5% of the population were below the poverty line, including 7.5% of those under age 18 and 1.9% of those age 65 or over.

Source: https://en.wikipedia.org/wiki/Roy,_Utah

Strategic Mortgage

2564 Washington Blvd, Ogden, UT 84401

NMLS #2383709

Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.

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