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Stetson Lowe

Vice President of Mortgage Lending
3401 N Thanksgiving Way, Ste 195, Lehi, UT 84043
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NMLS: 104783
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TestimonialsCustomer testimonials Read more

Stetson and his team were the best! Everything went so fast. Our real estate agent was flabbergasted at how quickly we were able to move on our loans. Transfer Safe was the best! It was so helpful being able to upload our documents securely. As long as Stetson is available I will continue to use Guaranteed Rate for my loans.

Jordan D. - Spanish Fork, UT | MAR 2017

Stetson and his team were great! They were always quick to answer questions and concerns, and we really feel like they helped us get the best loan for our situation.

Matthew M. - American Fork, UT | JAN 2017

Stetson and his team were fantastic! They made the loan process easier than I could have ever imagined.

Tyson B. - Lehi, UT | DEC 2016

Everyone was so helpful, professional, and speedy! Thanks for a great experience!

Kathryn D. - American Fork, UT | NOV 2016

It was so easy to work with Stetson! He helped us with every single step of the process with patience. We had so many questions that he answered promptly no matter what time we asked. He kept us posted on all the steps of the process and nudged us along. The help and encouragement Stetson provided was perfect and so appreciated!

Rae E.-Provo,UT | MAY 2016

Stetson Lowe is the Superman of all Loan Officers and we couldn't imagine going with anyone else. The digital process made it easy to get him the documents that he needed and he kept me posted with any changes that took place. Super friendly and understanding with my over the top planning and borderline OCD with details. Thanks again for an amazing purchase and smooth closing process.

Celena P. - Provo, UT | MAY 2016

Stetson and his team did an amazing job getting my loan approved and keeping me informed throughout the entire process.

Chaz B. -Hurricane, UT | APR 2016

Guaranteed Rate has a really cool system with examples of needed paperwork, and really slick interface. Stetson is awesome! Great response times, cared about my loan, took time to answer questions and followed up with a congratulatory phone call after the loan closed. High praise on a great loan process. Thanks again!

Thomas R. -Provo, UT | APR 2016

" Stetson was awesome to work with, explained everything I needed to know during and after the deal was closed. I will definitely recommend them again. Thank you! "

JAVIER H. M - OREM, UT | Feb. 2016

"I have worked with Stetson Lowe twice now. He is by far and away the best loan officer in the business. I will be al life time customer of his and will send all of my friends and family his way. I'm extremely satisfied with how I have been treated and couldn't be happier. He the greatest Loan Officer in the game right now. I will go to him for everything in the future. Including but not limited too, home loans, marriage advice, wardrobe advice, midwifery, bail bonds and much more. He truly is...

Kaden P. 10/13/2015

"We worked with Stetson on a home mortgage that had very tight deadlines and out of the norm circumstances. Stetson was awesome to work with. He was always available by phone and email, and he worked very closely with us and our real estate agent to iron out the kinks and help get us into our new home the day after we were out of our old home. I would definitely recommend Stetson and his team. They were all great to work with."

Diego P. - Provo, UT - 8/2015

"I went to Stetson because of his knowledge in repairing credit. However, every time I pulled my credit it would not seem to recover enough for me to get approved for another mortgage. Stetson worked closely with me for well over nine months advising me on what would and would not help my score. When the score had risen to the proper level Stetson introduced my wife and I to an agent that was able to search tirelessly with us on several short sales. I always make sure to have a couple of...

Brodie P. - Eagle Mountain, UT - 8/2015

"Stetson has been our Loan Officer of choice for several years. He consistently delivers great results, helping us to get the lowest rates and best terms on four different mortgages. I highly recommend Stetson to anyone buying or refinancing a home!"

Brian H. - Lehi, UT - 6/2015

"Stetson was our Loan Officer when we purchased our home. Wonderful to work with and very helpful! We highly recommend Stetson to anyone buying or refinancing a home!"

Yvonne D. - Vineyard, UT - 6/2015

"Stetson was great to work with, he always got back to my wife and I on questions and concerns we had. He offered great advice while we built our home. Stetson stayed on top of our file and progress during the long process of building. He made the experience a lot less stressful and I recommend him to anyone looking to get home loan."

Austin D. - Eagle Mountain, UT - 8/2015

"We used Stetson to secure our new house loan. We found him to be very accommodating & thorough. He answered phone calls and texts as needed. Many professionals don't answer calls or texts on weekends but Stetson always did. We were from another state while conducting our business with him and he was wonderful to take good care of us and our loan. I recommend Stetson for anything you may need in the finance and loan arena. You will be as satisfied as we were."

Sherri C. - Saratoga Springs, UT - 7/2015

"Stetson was fantastic to work with. He was very responsive and very knowledgeable in answering all of our questions. We were able to close quickly and Stetson was great in returning our calls and moving our loan ahead. I would highly recommend Stetson for any future transactions."

Josh B. - Lindon, UT - 6/2015

"Stetson was GREAT to work with! This was so simple and easy, the whole process took us less than 3 weeks from the time we first saw our home, until we had the keys. Definitely will refer Stetson to EVERYONE!!"

Danielle N. - Pleasant Grove, UT - 7/2015

"Stetson was amazing to work with when I purchased my home. He was always helpful in walking me through any processes or language I didn't understand. Was timely and was able to get my loan processed with a tight window. I would and have recommended Stetson to friends and family."

Jeff T. - Eaglemountain, UT - 7/2015

"We used Stetson Lowe to do our closing on an investment property. He was incredible, very easy to work with and made you feel like he cared. He took the time to get everything done correctly and was always so helpful. We were about an hour from his office when we needed to sign the documents and he went the extra mile to come to us to make sure we were not in a rush. He definitely is a 5 star service!"

Kim W. - Lehi, UT - 8/2015

"I used Stetson for two different mortgages. He was personable, professional, and got the job done ahead of schedule. He let me know exactly what he needed from me, and took care of the rest. Financing and then refinancing my house were pleasant experiences thanks to Stetson. I would recommend him to anyone looking to get a mortgage!"

Logan H. - American Fork, UT - 8/2015

"Stetson Lowe was so amazing helping me get my first house. He was always available, answered all my questions, gave me an incredible rate and when I first tried, my credit wasn't where it needed to be. He gave me all sorts of advice and I followed them to a T and now I live in my very own home in just a few shorts months. He's extremely personable, with a ton of integrity."

Leslee B. - Springville, UT - 8/2015

"We had such a great experience with Stetson Lowe! He is personable, friendly and most important he knows what he is doing! He went through every type of loan with us very clearly and punched the numbers of every type so we could see which loan worked best for our family! He made the process so smooth and convenient! He answered every question we had quickly and accurate. He made sure there were no surprise charges in the end as well! We actually enjoyed the process of buying a home! Thanks for...

Kayli M. - Saratoga Springs, UT - 8/2015

"Extremely professional. Experts in their field! They are very knowledgeable and have a lot of patience and understanding for the clients (like me) who have lots of questions. I would recommend them to anyone."

Jenny A. - Lehi, UT - 7/2015

"Stetson was awesome! He has so much knowledge and he is great to work with. He made the process easy and fun. 10/10 would work with him again!!"

Brett N. - Pleasant Grove, UT - 8/2015

About Stetson

Growing up in Provo, UT, I spent most of my summers knee deep in the Provo river catching native brown and rainbow trout. I learned to love everything outdoors, whether that was fishing, waterskiing, snow skiing, snowmobiling or golfing. If I was active and outdoors, I had a smile on my face.

After high school I served an LDS mission in Hartford, CT for 2 years. I learned how to do hard things during this time and loved my time there.

While attending Utah Valley University I met the love of my life Maggie, and we now have 4 amazing boys.

I love the flexibility the mortgage industry affords me and my family. When I am not in the office, I love spending time with Maggie and our boys, doing anything in the outdoors...some things never change.

Stetson 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 mortgage business for 12 years. From the very first day, I was completely enamored with helping clients purchase their homes, I still am today.
Who is your typical customer and what questions do they typically have?
A common question I get from clients is what is the best type of loan for me?
What specific steps do you use to help your customers find the best home loan for them?
I love the process of sitting down with clients to review their income, assets, credit and employment to come up with the very best loan option for their specific needs. Home loans are not one size fits all, very far from it. It is awesome to see the clients eyes light up when you tell them you have found the perfect loan for them and that they are pre-approved and ready to go!
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The pro to a fixed rate mortgage is that you are locking in a specific interest rate for the entire term of your loan. It takes the guess work and stress of what the interest rate will do out of the equation. I do not see a con to a fixed rate mortgage. The pro to an Adjustable rate mortgage is a little lower rate than a fixed rate loan. These should only be considered if the client has a specific timeframe of when they want to payoff the loan either by selling the home or paying it off with their own funds.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
The challenging loans are the ones you remember the most. Since the "great recession" we have had a lot of borrowers whose credit was destroyed during the down turn. One specific borrower I worked with needed their score to come up nearly 100 points prior to being approved for a mortgage. We sat down and made a step by step plan of how to rebuild the borrowers credit line up. It was really rewarding to meet the borrower each month and to watch them following our plan. Within 6 months the borrower's credit hit the score we needed to pre-approve them for a new home loan, the increase was extreme and suprising but it proved to me that anything is possible if the borrowers will put their mind to it and follow the plan. Within 40 days of their score hitting the mark these borrowers were closing on their new home and were once again home owners. Those clients jump off the page to me as one of my greatest success stories.
What advice would you give new or first time home buyers?
Be invested in the process, gather up your documentation quickly and be prepared and deliberate in everything you do with your credit and assets leading up to buying a new home. Don't stumble into home buying, attack the process!
Tell us about a mortgage product that consumers may not be aware of?
Here at Guaranteed Rate we offer a 1% down double match loan that not a lot of people know about as it is specific to our company. If the client contributes 1% of their own funds, we will match that down payment with an additional 2% of GR funds. Its pretty amazing really.
How has the mortgage industry changed since you started, and what would you expect in the future?
When I started in the mortgage industry, the best way I can describe it is it was like the wild wild west. There were what seemed to be a million different lenders and loan programs, many of which should never have been offered as evidenced by the financial crash of 2008, which was fueled by those loans. Today the mortgage industry is much more heavily regulated. This makes having an experienced loan officer even more important as any I not dotted or t crossed can cause major issues during the course of your loan. I expect the mortgage industry will continue to produce high quality loans with high levels of documentation and verification. The industry as a whole should continue to adapt to new technology and ways to make the process as streamlined as possible for borrowers, making the American Dream of homeownership alive and well for our kids and grandkids.
What part of the home loan process do customers find most difficult and how do you help them through it?
I think borrowers find the waiting period difficult at times. We live in a day and age of instant gratification, so some clients wonder why it takes up to 30 days at times to buy a home. We strive to help them understand the process as thouroughly as possible and find that constant communication helps them through this process.
What can borrowers do to insure a smooth mortgage underwriting process?
If borrowers will be prompt in getting their items in to us for processing and underwriting as well as getting back to us with any additional items requested in their approval the same day or the next day. We find this is the single most important thing they can do to have a positive impact on their loan process.
What provides you with the most satisfaction in your job as a Loan Officer?
Without hesitation it's seeing the borrowers at their loan closing after a job well done by our team to get the borrowers to that point with the absolute best loan available and to then count them as a friend for life.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I love fishing and riding four wheelers with my wife and our 4 boys up at our cabin in the mountains of southern Utah.
Tell us something that makes you unique or something wacky, yet interesting about you?
A lot people may be surprised to know that I have my student private pilots license and have 42 hours logged in a piper Cherokee single engine airplane including solo cross country flights to St. George, UT.

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