Gregory Cutt

Branch Manager
1750 Sun Peak Dr, Ste 102, Park City, UT 84098
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NMLS: 273554
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Wow! What an outstanding experience. Extremely smooth process. Greg, Laurie and all the staff were very helpful and professional! Thank you very much.

Ron S. | July 2018

Greg Cutt did a fantastic job! I would highly recommend his office.

Geoffrey L. | July 2018

They are the go to mortgage broker in the Park City area.

Andrew M. | May 2018

Gregory Cutt provided extraordinarily prompt customer service and feedback from the date of my loan application to successful closing! Huge Thank you for a diligent and professional job that his staff (Alexi,Laurie,Lani,Maggie) performed in assisting me! I would highly recommend and use Greg's services and Guaranteed Rate. Warm regards, Lina

Lina B. | September 2016

Greg & his team were great in helping us obtain a loan for a 2nd home in Park City. I've shopped around for the mortgage servicing firm and went with Greg's team, which was beyond my expectation on their timely execution of the documents & patiently helping us with your questions from 2 of us(buyers). There were times we asked them the same questions over and over, which Greg's team kindly answered without any problem. Thumbs up for this excellent team.

Kayoko S. | 08/24/2016

Greg and his team were awesome during the whole process!

Michael L. - 5/24/2016

Thanks for making it all so easy

Anthony G. April 2016

We worked with Greg Cutt when we bought our house 2.5 years ago, and his regular contact and great personality made it a no brainer to go back to him again. I have give his information to several people, but I don't know that they have reached out to him yet.

Christopher L. April, 2016

Greg and his staff are excellent!

Joshua T. - 4/1/2016

Everyone I worked with at Guaranteed of Park City was extremely helpful, always courteous and provided excellent follow up. This process was the best I have had and I have already started recommending the company to my peers. Many thanks to a very professional team!

Marian B. - 3/28/2016

Greg and his entire team were VERY helpful! They were able to do a very quick turnaround which was great, especially since we weren't pre-approved.

Michelle D. 3/25/2016

Greg and his entire team were VERY helpful! They were able to do a very quick turnaround which was great, especially since we weren't pre-approved.

Michelle D. | March 2016

This loan was a refinance of an earlier loan we originally obtained from Guaranteed Rate, and the experience this second time was as great as the experience the first time. Everyone at Guaranteed Rate is a first class professional. We live outside of Utah, and Guaranteed Rate arranged for a mobile notary to come to our house to have documents signed. It could not have been easier. Thanks for securing a great loan for us.

Daniel N. 02/27/2015

When I purchase again I will definitely make Guaranteed Rate my first choice. Greg Cutt and his team were extremely helpful at all times and easy to work with. All of my questions were addressed quickly and resolved in a timely matter.

W. Wells - Park City, UT | Nov. 2014

I had a great experience working with Gregory and his team! They were very professional and answered all of my questions!

Tracy R. -- Park City, UT 7/28/2014

Dear Gregory, I just wanted to drop you a quick note to thank you once again for all of your efforts in refinancing our mortgage. I have refinanced a number of mortgages over the years and this was BY FAR the easiest one. The process was painless, easy and most importantly was done in a very timely manner. I must admit that I was somewhat skeptical that the process would as smooth as it did, given that I live in Arizona but it was never an issue. I would highly recommend your services to...

Best Regards, Pryce H.

Dear Jeff, Just a note to thank you for referring Greg Cutt at Guaranteed Rate to assist us with the financing of our Park City property. He and his team delivered as promised. Great rate, no surprises on closing costs & a efficient process. He has a great team in Laurie and Marilyn. And of course Cathy at First American is just the best. Jeff, we know we can always count on you for great advice. Thanks again for your assistance.

Don and Joan M.

Gregory Cutt was amazing through this entire process. He delivered on every promise he made, we closed early, and he got us the best rate! Really smart loan specialist and an even better guy!

John P. -- Park City, UT 3/27/2014

Greg Cutt and his team, were fantastic in the level of personal attention they were able to give me throughout a lengthy process. I will certainly utilize Greg and his team for all future mortgage needs and recommend him highly to friends and colleagues.

Grant D. -- Park City, UT 1/14/2014

"Oh it was really great, I'm a first time buyer and I felt really good about everything. Greg and the team did a great job, really explained everything to us. They just did a fantastic job"

Alexandra S. -- Chicago, IL. -- 10/2013

“Great customer service from all involved parties. Additionally, being first time home buyers, we were kept informed throughout the process. Greg did an exceptional job explaining the mortgage process, and getting in front of additional documentation that he knew we would eventually be asked for. In doing so, we were able to close quickly and efficiently. The Greg and his team were effective, knowledgeable, and friendly.”

Joseph P. -- New York, NY-- 10/ 2013

I have worked with Greg before, so when he recommended I use Guaranteed Rate, I did. My first experience went well and I appreciated the ability to do application and document delivery online. Greg and his staff were very professional and promptly responded to all my inquiries. The information they provided was accurate and easy to understand. I really feel like they made sure that everything went well for me. Great work like always! Thank you Greg!

Ed H. -- Sandy, UT. -- 6/ 2013

I have been referring clients to Greg Cutt for the past 7 years because I have the confidence that my clients will be well taken care of. Greg is an honest and experienced loan officer. If he tells a client they are qualified for a loan and quotes them a rate, they can be assured their transaction will close on time at the rate and closing costs Greg quoted without any last minute surprises. Greg's communication during the loan process is excellent. He keeps all parties informed of every...

Nancy T. - Real Estate Strategist,Summit Sotheby's

I always recommend Greg and his staff to my clients with confidence. Greg provides my clients with clear and consistent communication, always returns their calls and emails promptly, and delivers on his promises. Greg's in-depth understanding of our local, resort market helps my clients side-step potential lending issues by identifying them ahead of time- and saves them the headache of any last minute surprises.

Quinn E. - Realtor

I’ve referred Greg to well over 100 clients and all of them have become raving fans. Greg is proactive and his depth of knowledge in the mortgage industry and will guarantee your clients are satisfied. There are VERY few lenders with the qualities Greg Cutt possesses, you’ll be happy to give him a try, trust me!

Joshua S. - Agent/Owner, Keller Williams

Greg is a local Park City lender that I encourage my buyer clients to contact for their lending needs. Greg is responsive and is willing to think out of the box to get my clients the loan they need to purchase their dream home. I would highly recommend Greg and his lending services.

Molly C. - Realtor, Summit Sotheby's International

Greg just closed my own personal loan on a rental house. He explained everything clearly and helped us through the process, which can be confusing. I always recommend him to my clients and trust him to take care of my personal business.

Chris E. - Realtor, Keller Williams Park City

Greg Cutt is our team's go-to mortgage lender in Park City & Deer Valley. Over the years, we have recommended him to dozens of our clients with exemplary results. If you're looking for the best possible rates and good old-fashioned attentive service, you're in the right place! Greg makes the tedious process of securing a loan as easy and painless as possible. Save yourself some headaches and give him a call.

Erik A. - Branch Broker,Keller Williams Park City

A significant part of my success as a real estate brokerage over the past two decades in Utah has been the repeat and referral business from happy clients. A huge part of their experience with me is their interaction and assistance from my lender partner so it is critical for me to align my business with the very best. Greg Cutt has never disappointed me, his professionalism and commitment to getting the deal done and making sure our clients have an excellent experience is nothing short of...

Matt G. - Regional Director, Keller Williams

About Gregory

Gregory Cutt is the Vice President of Lending and Branch Manager of Guaranteed Rate’s Park City, Utah office.

Greg was first touched by the mountains and lifestyle of Park City in the early 1980’s, while attending the University of Utah. After graduating with a B.S. Degree in Business, he moved to Boston and began working as a commercial real estate lender. He also attended Boston College, where he received his Masters Degree in Finance. In 1990, Greg relocated to Annapolis, Maryland, and began working as a residential loan specialist.

Having never forgotten the beauty of the area, he moved back to Park City in 1994 and worked hard to become one of the leading producers in the market place. “I attribute much of my success to dedication and hard work. I love the many challenges of this business, and enjoy working with people.”

Greg loves spending time with his wife, Amy and his two children, Morgan and Parker. In addition to challenging himself in business, Greg also enjoys participating in many outdoor activities. Whether skiing, mountain biking, water skiing or playing golf, Greg makes the most of living in an area where people set their own boundaries. Greg’s dedication to his family, the outdoors, his business and the community make people comfortable working with Greg and Guaranteed Rate.

Gregory interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the business 26 years. I have a masters in finance, but also love sales, so it seemed like a good fit.
Who is your typical customer and what questions do they typically have?
I work with a wide range of customers. First time home buyers to very high end clients with millions of net worth purchasing second homes and investment properties in Park City.
What specific steps do you use to help your customers find the best home loan for them?
I spend time interviewing them and asking what their motivation is for purchasing a property and their goals for the property.
How long have you been in the mortgage business? What awards have you won?
26 years. Presidents Club past 3 years since joining GR. Biggest Gainer award in my region in 2015. Top 1% of loan originators. Top 200 in production.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The advantage of a fixed rate mortgage is the rate and payment can never change. With an adjustable mortgage, your interest rate and payment can increase. The disadvantage with a fixed rate mortgage is rates are typically higher than an adjustable rate mortgage, which means your payment is higher.
What advice would you give new or first time home buyers?
Make sure they are comfortable with the monthly payment. Owning a home is a big responsibility and you want to have enough income left over for unforeseen expenses.
Tell us about a mortgage product that consumers may not be aware of?
The USDA Rural Housing Loan. You can purchase a home with no money down and obtain a low, 30 year fixed rate. We have an 85% LTV jumbo loan with no mortgage insurance and a very attractive 30 year fixed rate.
How has the mortgage industry changed since you started, and what would you expect in the future?
Being in the business for 26 years, I have seen a tremendous amount of change. From 1990 until 2006, it got steadily easier for borrowers to obtain a loan. Many new products were introduced and underwriting guidelines became easier. Technology has had a huge impact on how mortgages are originated, processed and closed. Starting in 2007, the industry has steadily gotten more difficult for everyone involved in the process. This includes borrowers, lenders, title companies and appraisers. Government regulations have put a huge burden on the industry and have made it much harder for borrowers to obtain mortgages. The process is very difficult.
What part of the home loan process do customers find most difficult and how do you help them through it?
The most difficult part of the process is the amount of documentation we require from the borrower. I explain to them upfront there will be multiple requests for documentation throughout the process and the faster they provide the documents, the smoother the process will be.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
I provide clients with my Welcome Home Booklet and push them to my website.
What can borrowers do to insure a smooth mortgage underwriting process?
Provide all the requested documentation in a timely manner so we can submit a complete package to underwriting.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Spending time with my family skiing, playing golf, mountain biking and water skiing.

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