Rhodes Real Estate and Mortgage

Rhodes Real Estate and Mortgage Utah's premier Mortgage & Real Estate team. 25+ yrs exp helping you find & finance your dream home. Welcome! Why Choose Us?

From the Rhodes Real Estate and Mortgage Team – Your True Partners in Real Estate & Lending

Are you looking to buy a home in Utah but feel overwhelmed by interest rates and market competition? We simplify the process by combining expert Real Estate representation with direct Mortgage Brokerage services under one roof. Who We Are: We are a local, Real Estate Team and full-service Mortgage Brokerag

e with over 25 years of expertise in the Utah housing market. Led by Darin (NMLS #281677) the principal broker of TruePartner Home Loans (NMLS #1770793) and Stacie of Rhodes Real Estate, we specialize in uncovering "Affordability Levers" that most other agents and lenders miss. How We Help: Unlike traditional agents who just open doors, or lenders who just quote rates, we build a comprehensive strategy for your family. We help you navigate:

Utah Real Estate: Finding hidden inventory and negotiating the best price. Mortgage Planning: Custom loan structuring to lower monthly payments. First-Time Home Buyer Programs: Accessing grants and down payment assistance. Refinancing & Investment: Strategies to build long-term wealth through property. We believe in an "Invisible Sales" approach—we don't sell; we serve. Our goal is to provide the education and financial clarity you need to make confident decisions. Whether you are buying your first home in Salt Lake City or your dream estate in the mountains, we are your partners from search to signature. Contact Us: 📍 Serving all of Utah 📞 801-758-5505 🌐 dreamhomeutah.com

03/31/2026

Zillow is guessing what your home is worth.

Redfin too. Every automated tool out there — guessing. Sometimes off by $40,000 or more.

Here's why: Utah is a nondisclosure state. The final sales price of a home remains private — which means the algorithms literally cannot see what homes sold for.

But I can.

I pull the same data appraisers use — actual sold prices in your neighborhood — and I send you a free custom video showing exactly what homes like yours have sold for in the last 12 months.

No algorithm. No guessing. Real numbers, specific to your street.

If you're thinking about selling — or even just curious — tap the link below and drop your address. I'll have your personalized video to you within 24 hours.

Free. No obligation. No sales pressure.

👇 Tap "Get My Real Value" below.

Zillow can't see what homes sold for in Utah.We're a nondisclosure state — which means every estimate you've ever seen i...
03/31/2026

Zillow can't see what homes sold for in Utah.

We're a nondisclosure state — which means every estimate you've ever seen is a guess.

I'll pull the real numbers from appraiser-level data and send you a free personalized video showing exactly what homes in your neighborhood actually sold for.

Takes me 5 minutes. Costs you nothing.

👇 Drop your address below and I'll send it within 24 hours.

03/28/2026

Here's something that's kind of wild when you think about it.

Two people can buy the exact same house with the exact same loan amount and one of them pays thousands more than the other. The difference? Their credit score.

Your credit score is basically the mortgage world's way of deciding how much you pay for money. Higher score, cheaper loan. Lower score, more expensive. And in some cases a low score can take certain loan options completely off the table.

The good news is you have more control over this than you probably realize. Here are three things you can start doing today.

First, go see where you actually stand. Google "free credit report" and pull yours. It's a soft check so it won't affect your score at all. You might find errors or outdated stuff on there that's dragging you down. Get those removed and your score can jump pretty quickly.

Second, if you've got credit cards that are close to maxed out, focus on paying those down. The more available credit you have that you're NOT using, the better you look. Maxed out cards tell the credit world you rely heavily on borrowing, and that tanks your score.

Third, and this is the one that trips people up. When you pay off a card, do NOT close the account. I know it feels satisfying to close it out, but closed accounts change your ratios and can actually hurt your score. Pay it to zero and leave it open.

Oh and one bonus tip. While you're working on your credit to buy a home, don't go opening new accounts. No furniture financing, no tire financing, no new cards. Keep everything nice and steady and watch those scores climb.

Comment "Save" and I'll send you my free mortgage hacks cheat sheet. Tons of tips like these from almost 25 years of experience.

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Darin Rhodes, NMLS #281677
TruePartner Home Loans, #1770793
Equal Housing Lender

03/27/2026

Three ways to make a home with a rental unit work for you.


One: find a home with an apartment already built and ready to go. Some even come with tenants already in place.


Two: know your numbers. What's the payment, what's the rental income in that area, does the HOA allow it. We run these numbers for clients all the time.


Three: get the right mortgage. Owner occupied loans don't require the massive down payments people assume. Way more accessible than you think.


Affordable housing demand in Utah is huge right now. If your home has a rental unit, finding a tenant is the easy part.


Comment "Save" and I'll send you my free mortgage hacks cheat sheet.


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Darin Rhodes, NMLS #281677
TruePartner Home Loans, #1770793
Equal Housing Lender

03/26/2026

If you're working on your credit to buy a home, here's a tip that could save your approval.


Don't open new accounts. No furniture financing, no tire financing, no new credit cards. Every new inquiry and every new balance can impact your score at the worst possible time.


Keep everything steady. Let your scores climb. Then when it's time to apply for your mortgage, you'll be in the strongest position possible.


Comment "Save" and I'll send you my free mortgage hacks cheat sheet.


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Darin Rhodes, NMLS #281677
TruePartner Home Loans, #1770793
Equal Housing Lender

03/25/2026

You just paid off a credit card. Feels amazing. Your first instinct is to close the account. Don't do it.


An open account with a zero balance actually helps your credit score. A closed account changes your ratios and can hurt you. Counterintuitive, I know. But leave them open.


Zero balance, account open. That's the move. Future you will be glad you left it alone.


Comment "Save" and I'll send you my free mortgage hacks cheat sheet.


. . . . . . . . . . . . . .
Darin Rhodes, NMLS #281677
TruePartner Home Loans, #1770793
Equal Housing Lender

03/24/2026

Quick tip if you're thinking about buying a home or refinancing soon.


Go pull your free credit report. Google it, takes two minutes, and it's a soft check so it won't affect your score.


Look through it carefully. Sometimes there are errors or outdated accounts dragging your score down that have no business being there. Get those removed and you might see a nice bump right away.


It's the easiest credit win out there and most people never do it.


Comment "Save" and I'll send you my free mortgage hacks cheat sheet.


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Darin Rhodes, NMLS #281677
TruePartner Home Loans, #1770793
Equal Housing Lender

03/23/2026

Let me tell you about a client whose payment was way higher than it should have been. And it had nothing to do with her interest rate.


She came to me for a refinance and when I looked at the breakdown, her homeowners insurance was about triple what you'd normally see for a home that size. One phone call to shop around and she saved a bunch. Payment dropped right along with it.


Your monthly payment isn't just rate and price. Taxes, insurance, HOA fees, and mortgage insurance all stack on top. And you have more control over these than you probably realize.


Shop your insurance. Ask about the HOA before you fall in love with the house. And mortgage insurance pricing can be shopped too. A little homework on these four things upfront can save you hundreds every single month.


Comment "Save" and I'll send you my free mortgage hacks cheat sheet.


. . . . . . . . . . . . . .
Darin Rhodes, NMLS #281677
TruePartner Home Loans, #1770793
Equal Housing Lender

03/22/2026

Someone offers you a lower rate if you pay more up front. Sounds good right? Maybe.

Take the up front cost. Divide by your monthly savings. That's your break even in months.

If it's short and you're staying put, go for it. If it's long or you might move or refi soon, save your cash.

Especially right now with rates potentially dropping further, keep those recovery times tight. Save today, stay flexible for tomorrow.

Comment "Save" and I'll send you my free mortgage hacks cheat sheet.

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Darin Rhodes, NMLS #281677
TruePartner Home Loans, #1770793
Equal Housing Lender

03/21/2026

Thinking about buying down your interest rate? Cool. But before you spend that money, grab a calculator.

Here's the equation: take what you'd pay up front, divide by your monthly savings. That gives you your recovery time.

$3,000 up front, $300 a month saved = 10 months to break even.

Now compare that recovery time to how long you plan to keep the mortgage. If you're going to be in that loan for years, buying down could be a smart play. If there's a chance you'll sell or refi before you hit the recovery window, you just lit that money on fire.

Quick tip for right now: rates may continue dropping over the next year or two. So keep those recovery times short. Get the savings today but stay flexible for tomorrow.

Comment "Save" and I'll send you my free mortgage hacks cheat sheet.

. . . . . . . . . . . . . .
Darin Rhodes, NMLS #281677
TruePartner Home Loans, #1770793
Equal Housing Lender

03/20/2026

Thinking about a cash out refinance to consolidate debt? Smart move. But here's something you may not have considered. You might be able to get a much better deal if you think of it as a two step process instead of one and done.


The problem with doing a cash out refi when you've got high credit card debt is your scores are usually lower and cash out loans already carry slightly higher rates. So you're paying more than you should.


The play: do the cash out now to get your finances under control. Use lender rebates to cover closing costs so it's cheap or even free. Then in 6 to 12 months, once your credit scores have recovered from paying everything off, refinance again into a regular rate and term loan with way better terms.


Two refinances. First one gets you out of the mess. Second one gets you the rate you actually want. And if rates drop in between? That's the cherry on top.


We call it the "get your cake and eat it too" strategy and it's worked every single time we've deployed it.


Comment "Save" and I'll send you my free mortgage hacks cheat sheet.


. . . . . . . . . . . . . .
Darin Rhodes, NMLS #281677
TruePartner Home Loans, #1770793
Equal Housing Lender

03/19/2026

Everyone's trying to figure out how to afford a home in Utah right now.

Here's an idea most people overlook: buy a home with a rental unit and let your tenant cover a big portion of your monthly payment.

Basement apartment. ADU. Mother in law suite. Whatever it is, that rental income changes the entire equation. And right now with affordable housing demand through the roof, finding a renter is the easy part.

Three things to look at: homes that already have units built and ready, your actual numbers (payment vs rental income in that area), and the right mortgage that doesn't require a massive down payment for owner occupied properties.

This is one of the best wealth building strategies I've seen in almost 25 years of doing mortgages. And most people don't even know it's an option.

Comment "Save" and I'll send you my free mortgage hacks cheat sheet.

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Darin Rhodes, NMLS #281677
TruePartner Home Loans, #1770793
Equal Housing Lender

Address

321 E State Road, Suite 150
American Fork, UT
84003

Telephone

+18017585505

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