Welcome to our website!  Bob Kirkman believes that excellent service and a reputation for honesty, integrity and reliability are just as important as interest rates and closing costs.  Bob’s team is committed to providing our Utah Mortgage clients with the highest quality Utah Home Loans combined with the lowest Utah Mortgage Rates available.  Whether you are looking to purchase a Utah Home, check Utah Rates, Utah Refinance, take a Utah Second Mortgage or Utah Debt Consolidation Loan, or Purchase a Utah Investment Property… whatever the reason…. Bob Kirkman is here to help! 

Check out my video!

Our highly experienced team of Mortgage Banker Brokers has been helping clients throughout the state of Utah with their Mortgages and obtaining the lowest mortgage rates for over 15 years. Bob Kirkman’s goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for their Utah mortgages for many years to come.
We specialize in:
* Mortgages in Utah including Conventional Loans, FHA Loans, VA Loans, USDA Loans and of course Utah Housing 100% Financing Options
* Home Refinance in Utah
* Home Purchase Loans in the Utah market
* Utah First Time Home Buyers
* Debt Consolidation Loans in Utah
* Jumbo Loans

* 90% Cash Out Refinance with No Monthly  Mortgage Insurance

* HELOC (Home Equity Line of Credit)
* 100% Financing with NO monthly PMI
* Utah Real Estate
* Commercial Real Estate Loans in Utah
* Utah Reverse Mortgage Loans
* Utah Construction Loans both 1 Time Close and 2 Time Close
 * Utah SBA Loans

 * Manufactured Homes on Foundation
We are your local Utah Mortgage Experts and we offer a wide range of Utah mortgages to suit every financial situation, competitive interest rates and flexible products that can make buying and refinancing a Utah home a smooth and comfortable process.

For those home buyers that can not qualify for traditional mortgage financing, Bob has the answer for your family. 
We have successfully coached several Utah families in how to obtain a home through the lease option process. 

Call or Write me Today –
(801) 499-2500 Direct
(801) 773-3455 Fax                                      

NMLS 314428 Utah DRE 5588057-MLAF

Key West Funding 1448 N 2000 W Suite 2 Clinton, UT 84015
Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.



Quick Quote

Quick Quote Image

No errors
No errors
No errors
No errors
No errors
No errors
No errors
No errors

Trusted. Experienced. Secure.


Real Estate Marketplace

Featured Property:


5.0 Bed 4 Bath, Morgan, UT
View More


Home SearchView Featured HomesDream Home RequestHome Value Wizard