Call Us

3 Keys Lending

Make Your Murray, UT Home More Affordable With Better Rates

Save thousands on your Murray, UT mortgage with simple approvals, lower rates, and caring guidance from 3 Keys Lending. Get fast service and smart home loan solutions designed to keep more money in your pocket.

(801) 319-3502
Mail Us
Made for lasting comfort

Made for lasting comfort, our mortgage solutions provide steady payments, personalized guidance, and reliable savings so you can enjoy your home with confidence and long-term security.

Loan options to fit your life

Our loan options are made to fit your life, offering personalized programs, competitive rates, and dependable guidance for every stage of your homeownership journey.

Local support from people

Receive local support from people dedicated to your success, offering community-focused guidance, reliable communication, and mortgage solutions shaped by real understanding of your life.

Todd-HeadShot.

About us

About 3 Keys Lending

At 3 Keys Lending, we think getting a home loan should be relaxed, simple, and supported. That’s why we explain everything clearly and kindly. As a caring mortgage lender in Murray, UT, we help you see your choices and pick a loan that’s right for your family.

Our loan process is open, so you know what happens next. Many clients return because they feel heard, respected, and gently guided. We aim to be a steady hand for every homeowner.

Contact Us

Loan Programs We Offer

A family celebrates receiving keys to their new home from a real estate agent.

Clear, Steady Advice Home Mortgage Lending in Murray, UT

Our home lending service gives Murray families a calm, simple way to own a home. As your reliable mortgage lender, we help you look at safe loan plans, compare choices, and understand home loan programs in plain words. You can pick from standard, FHA, VA, or jumbo loans based on what you want. We focus on easy, smooth loan closing and regular talks so you don’t feel lost. At 3 Keys Lending, our help makes the lending path easy to follow, and we’re with you until you have the keys.

A couple examines real estate documents indoors with focus on writing and discussion.

Easy Fresh Starts Refinance Loan Options in Murray, UT

Refinancing in Murray, UT, is easy with our clear, careful steps. As a friendly mortgage lender, we show you how to lower payments, change loan terms, or reach new money goals. We explain how refinance loans work so you can pick a plan that protects your budget and long-term stability. Whether you want better mortgage rates, more freedom, or a fresh start, we make a plan that fits your life. With 3 Keys Lending, support is steady from the first call to the last paper.

Young couple celebrates buying their first house with keys in hand and a sold sign.

A Sure Start First-Time Buyer Support in Murray, UT

Buying your first home in Murray, UT, should be thrilling, not stressful. Our team makes it simple with straightforward steps, reliable advice, and the best home loan options for first-time buyers. As your local mortgage pros, we help you explore first-time buyer programs, find affordable options, and secure early approvals to make your offer stand out. We explain everything, credit scores, down payments, paperwork, so you’re always in the know. With 3 Keys Lending, the whole thing is easier, smoother, and gives you the confidence to take the next step.

A diverse group of architects and a real estate agent examine a modern building, focusing on large glass windows.

Investor Loan Solutions in Murray, UT

Murray, UT investors get reliable support via our income-focused loan choices made for real expansion. As your local mortgage source, we let you compare programs for rentals, flips, multi-unit buildings, and even refinance for financial goals if you want better cash flow or stronger positioning for the long haul. You’ll find out about investment property loans, approvals based on property income, and bendable terms that fit your plans. We spell things out, so decisions are easy.

A couple choosing tiles in a modern kitchen setting, discussing renovation ideas.

Home Equity & Cash-Out Options in Murray, UT

Our cash-out options help Murray homeowners use the value in their property. As your mortgage lender nearby, we show you how to use equity for repairs, bills, savings, or big needs. We explain about cash-out refinance plans, timelines, and safe approval steps. With care and planning, we make solutions that protect your money and health. At 3 Keys Lending, you have a team that walks with you, so using your home’s equity feels easy, safe, and planned out.

Mortgage broker and client discussing loan application with documents on table.

Quick Strength for Buyers Pre-Approval Help in Murray, UT

Our pre-approval support gives homebuyers in Murray, UT, a fast start. Working with our team helps you see what you can afford and how to get your papers ready. We focus on loan pre-approval steps that are quick and easy for real life. With papers ready and early confirmation, you can shop with confidence and move ahead. At 3 Keys Lending, we think early prep makes everything easier, so we give you approval power right away.

Why Choose 3 Keys Lending?

Community-Minded Care

We know the needs of Lorthdaye families and make loan solutions that fit local life and budgets.

Flexible Loans For You

We make each plan to fit your goals with options that keep your future stable.

Steady Approval Help

We help you get ready early and move ahead with support that doesn’t rush or confuse you.

Crop unrecognizable coworkers in formal wear standing at table with laptop and documents while greeting each other before meeting

Our Gallery

Beautiful colonial-style house with a wooden fence and lush greenery under a bright blue sky.
Close-up of a real estate agent handing over a house key to a client inside a new home.
Rustic red house amidst lush greenery in Håverud, Sweden captured during summer.
A beautiful suburban house surrounded by trees and lush greenery, perfect for families.
Four businesswomen engaged in discussion over documents in a contemporary office setting.
Crop unrecognizable coworkers in formal wear standing at table with laptop and documents while greeting each other before meeting
Mortgage broker and client discussing loan application with documents on table.
A couple choosing tiles in a modern kitchen setting, discussing renovation ideas.
A diverse group of architects and a real estate agent examine a modern building, focusing on large glass windows.
Todd-HeadShot.
A family celebrates receiving keys to their new home from a real estate agent.
A couple examines real estate documents indoors with focus on writing and discussion.
Young couple celebrates buying their first house with keys in hand and a sold sign.

What Our Clients Say

We are proud of our reputation for excellent service. See our reviews on these platforms.

our google business profile reviews
5 star reviews on yelp
our BBB rating is A+

Frequently Asked Questions

A good lender explains steps, talks openly, and listens to you. A partner helps you compare home loan programs and supports you with care, not pressure. At 3 Keys Lending, we focus on clarity and community care.

Times change based on papers, loan type, and the market. Most families finish in weeks when the paperwork is ready. We keep things organized, so your progress is smooth.

Income, credit, job history, and property matter. We help you look at options that feel safe for you.

First-time buyers should get income, bank, and tax papers. These help us start and check which programs fit you.

Investor loans have rules because the property isn’t your home. Income, down payment, and plans matter. We guide you so that everything is clear.

Email Us

todd@3keyslending.com

Call Us

(801) 319-3502

Address

Murray, UT



    3 Keys Lending​

    Your trusted local mortgage lender in South Jordan, Utah. we are dedicated to finding you the best rates for your home purchase or refinance.

    important Links

    Contacts

    (801) 319-3502

    todd@3keyslending.com

    Murray, UT