Ben not only beat every good faith estimate I had received but he also got everything finalized well ahead of the closing deadline allowing us to close almost a week early. Thanks Ben for all of your help with my loan!

Ben did a great job on refinances for multiple properties, I have a very unique business structure that was very difficult to get financing. Ben worked through all of the obstacles and we were successful freeing up a lot of capital on my rental real estate portfolio. I can recommend Ben and his associates without any reservations!!!!!

Unbelievable perfect Company. If you want to purchase a home you need to contact Ben. He made the process completely painless.

MMH was great to work with. They were very responsive whenever I called or needed information. Thankfully, they know all about the difficult and, at times, confusing VA loan program. The most important for me was they delivered on the interest rate they promised. No fuzzy numbers. Straight up and honest.

Love Ben! His company & how hard he will work to get you to the goal! Being self employed it is harder to process my loans & he is determined to help you through the whole process effectively! I am so THANKFUL for him!!!!!

Ben and Britt were wonderful assets to have in navigating my first time applying for a mortgage. They both patiently answered my questions with professionalism and always guided me in the right direction in what they thought would result in the best outcome for me. I had a few hurdles to overcome, but thanks to their due diligence, and their willingness to be in constant contact regarding matters large and small, I am now a homeowner. From the first time we spoke on the phone, to closing day, they helped me get the best interest rates, explained things I didn’t fully understand, and gave me the confidence to move forward without any setbacks or unpleasant surprises. Applying for a loan can be stressful as you start to dig in, but with Mortgage Miracles Happen it was an easier process than I would have thought. I highly recommend this company and its staff without reservation, especially as I write this review from the comfort of my home which I now own. If going down the road to home ownership is something you are considering, get in touch and see what they can do for you- they are good people!

I came to Ben in a bit of a pickle with my home buying situation. My home was going to be done with construction and ready to close in a month and a half. This is when the first lender I was working with suddenly told me they would not do a VA loan for me because I had to get my current home loan off my name to restore my VA entitlement amount to buy my second home (I am keeping both). They basically told me that since the loan was slightly more complicated than a traditional loan, they would only finance me with a conventional loan and that I would need to come up with a massive amount of money for a down payment and other fees. Ben assured me that he could make everything work and get me financed with a VA loan and in time to close. He worked with a preferred lender and worked his magic on getting everything done while saving me thousands of dollars. He really saved the day and I cannot thank him enough for helping me every step of the way. You would be doing yourself a favor by choosing to work with Ben. He is truly a brilliant human and amazing at what he does.

Ben went the extra mile to get everything in order for a quick closing.

Ben is amazing at what he does! He connected us with a real estate agent and went above and beyond for us. He asked us what we wanted/needed and delivered just that while keeping us in the loop through the entirety of the process. Ben is not only great at his job but is kind and personable. I 100% recommend him to anyone looking to buy a house.

My wife and I refinanced our house in Ogden and thiswas a great experience. I was reserved initially because everything was handled online and over the phone but Ben Gerritsen, the main man, always answered my phone calls and always texted or emailed me back with answers to my questions. I felt heard and the process was quick and nothing was missed. Saved me a ton of money in the end and I was very pleased with the outcome! Highly recommend to anyone refinancing or looking for some quality help. Thanks again

Ben was amazing to work with. He showed me all my options and broke down monthly what I would pay and where my money would go. By doing this he also advised me on how much home I could afford. Which being a first time home buyer was super important.

Ben and his team provided excellent service and guided us along the way towards securing a mortgage for our property. Due to his knowledge, patience, and persistence, I highly recommend him.

My experience with Ben and Mortgage Miracles Happen was extremely positive. We were moving from California to Utah. He worked with us and our realtor throughout the process of shopping for a new home. As retirees, we had special circumstances to overcome in securing our loan. We also had a very short deadline to achieve and Ben performed stunningly, getting our loan accomplished a week ahead of an already very tight schedule. He was always available and responded quickly whenever we had questions or concerns. Working with him made it all run smoothly. Everything he promised, he delivered, while helping to keep our closing costs to a minimum. I would, without hesitation, recommend Ben and his firm to anyone seeking a mortgage loan.

Ben was recommended by our realtor and I'm so glad we went with his service. Our experience was great because: (1) Ben was there for us and super responsive throughout the process, from showing up to look at multiple houses with us to calling sellers agents to advocate for us to taking care of all the mortgage paperwork and being patient to explain the details to this newbie. And he had all the processes and paperwork set up efficiently and digitally so there weren't any hitches. (2) Being a first-time homebuyer made me feel very vulnerable generally, so I especially appreciated feeling like I could rely on Ben -- that he was honest and capable and would know what to do when and lead us through the process and get things done the right way the first time and for our benefit. (3) Trust was rewarded when everything went well with the loan. We got what other people tell us is a great interest rate and impressively low closing costs, and that despite there being some atypical aspects to our situation. And it all got done in just 18 days from offer to settlement. I'm very pleased and thankful.

I am really very happy with Ben's outstanding job. He made the whole process of getting a home loan fast and effortless for me.

My husband and I were happy in our 3 bedroom starter home with our 2 baby daughters. However, when my stepdaughter and mother eventually moved in as well; our perfectly sized home suddenly became crowded. We managed to deal with it for a few years but by winter 2017 we were fed up and started looking for a new home. We decided to build new and trusted the preferred lender of the home builder. We met with the lender and began building after she assured us we would be approved for the home we wanted. However after we’d paid our earnest money we didn't hear anything else from this lender until I finally got her to return my calls at the end of February 2018. She informed me that the “rules for her company changed” and now they needed a ridiculous amount of money down for us to move into the home. We were in need of a miracle and that’s when I found Ben. I must admit the name of his company pulled me in (LOL) Ben is a patient and intent listener. He took the time to work the numbers many different ways to see if he could reasonably move us into the house we were building. Ultimately given the history of our self employed tax returns he couldn’t make the numbers work for the home we were building. He suggested “If only it were cheaper”. When he said that a lightbulb went off for me. We didn’t HAVE TO HAVE the house we were building. We just needed the space for comfort! The home builder had some inventory homes that were cheaper and still accommodated our needs and wants. Since it was with the same builder our earnest money was transferable. It was still an uphill battle. There were record discrepancies from Hurricane Harvey, our current mortgage company was shady, but Ben worked tirelessly on every angle to get us a great deal on our home. He always readily responded to my calls, texts and emails and over the course of this process spent hours on the phone with us. He took the time to get to know us and we could see he was invested in seeing us win. Additionally he also encouraged our faith and prayer whenever we would seemingly hit a brick wall. He’s not just a good mortgage broker, he’s a good guy and that counts for a lot in our book. My family is grateful for the work of Ben and his team, and our family LOVES our new home. Should we move again or hear of any friends moving to a new home, Ben gets our highest recommendation. With him, Mortgage Miracles (really do) Happen! :-)

Ben is an excellent loan broker. I have known him for years and he is very honest and dedicated in helping borrows get the right loan product for them.

Ben did a great job for us! The process was smooth and Ben was quick to respond if we had questions on anything. We prefer handling as much of the paperwork electronically as possible. Ben and his team did a good job accommodating this.

Great and fast home loans

Ben was amazing. He was so patient with us. We kept going back and forth on whether or not we wanted to buy and what price range we should be looking at. He was patient through it all.

Ours was a very unique and difficult loan due to prior financial difficulties. We had originally gone with a broker recommended by our son who had just financed a new house. She tried but was unable to work through the difficulties. Our Realtor suggested Ben who went way above and beyond, contacting multiple financial institutions who wouldn't work with us. Most brokers would have given up, but not Ben at Mortgage Miracles Happen. He persisted and finally found a lender to work with and it happened. I cannot recommend Ben and his group any higher for all Mortgage financing but especially with the difficult ones. I am very pleased. ML

Excellent Excellent Excellent we will always use and recommend him. Thank you so much!!! Ben did a amazing job.

Made the experience of re-fi a real pleasure instead of a BIG headache. My advice? Gove them a call... you'll be glad you made the effort.

Ben Gerritsen, Went up above and beyond on helping me qualify for a home loan, I am mentally disabled and only able to qualify for the minimum on a home loan, I do not have the same metal capacity of the average person, And I was very lucky to have someone that cared as much about me as any other of his higher paying clients, I had worked with Ben Gerritsen for over A year, He was there the whole time helping me thru the steps of cleaning my credit up, Filing papers with the state, Answered all of my questions even when there were none. Has to be one of the most Honest people i have ever had the chance to meet, AtoZ would not have been able to find someone better to do the job. Looking for a good Mortgage lender? You can't go wrong here!!! Update. I have been living in my wonderful "New to me" home now for over a year %100 Recommend Miracles can happen, Living in my Home under my circumstances is a Miracle that happened!!! and a true GOD sent. My life has drastically improved. By owning my own home i now have more freedom to do the things i like and live in a more peaceful area with less crime and not to mention the self gratitude I get for even owning my own home in the situations that my previous life has left me in 07/20/2018

Ben Gerritsen has gone above and beyond in order to get us the best deal on our home loan. He was always available and kept in constant contact. From the get go he was very respectful and treated us like family. He is very knowledgeable with the area and he led us every step of the way. I can not emphasize enough the care and time Ben took to help us out. We definitely recommend him for anyone looking to buy a house in Utah.

The service from Kevin Mansouri the 'reverse mortgage' specialist at Vintage Lending has been excellent. Kevin has been responsive and available in helping us to understand more about 'reverse mortgages'. He's willing to take time and followup with written loan scenarios that help demonstrate the benefits of different loan options. I have no hesitation recommending Kevin to anyone of our clients.

These guys did an amazing job for me. Highly recommend.

Honest, true to commitment, no hassle, truly professional and extremely nice people.