Quinn Richins – VanDyk Mortgage Utah

Quinn Richins, Loan Originator at VanDyk Mortgage in Salt Lake City

Quinn Richins is a Senior Loan Officer at VanDyk Mortgage in Salt Lake City and operates under NMLS# 103926. His work focuses on residential financing for homebuyers, current homeowners, real estate investors, and real estate professionals throughout the state of Utah, with deep roots in Murray and the Salt Lake Valley. The office is located at 5330 South 900 East, Suite 250, in Salt Lake City.

According to published information, Richins has nearly two decades of experience in the industry, with activity documented since 2007, and states that he has guided thousands of clients through the mortgage process.

Available mortgage programs

The residential financing product lineup offered by the office covers a broad spectrum of profiles and needs:

• 30- and 15-year Conventional loans.
• FHA loans.
• Veterans (VA) loans.
• Rural Housing (USDA) loans.
• Adjustable Rate Mortgages (ARM).
• Jumbo loans.
• Non-QM loans.
• Bank Statement loans.
• DSCR loans for investors.
• Reverse Mortgages.
• Home Equity Lines of Credit (HELOC).
• Renovation loans.
• Construction loans.
• Financing for self-employed borrowers.

Client profile and advisory approach

The office works with first-time homebuyers, homeowners looking to upgrade, investment property buyers, clients refinancing their mortgage, and homeowners who want to leverage the equity in their home. Richins notes that every client has a different situation and that every loan requires its own strategy, rather than a one-size-fits-all approach.

His previous experience in home renovation, house flipping, and real estate investing allows him, according to his own presentation, to bring a perspective that goes beyond financing and to help clients spot possibilities others often overlook.

Communication and transaction coordination

Richins highlights proactive communication as one of the aspects most valued by his clients and by the real estate agents he works with. His method includes keeping everyone involved in a transaction informed—buyers, sellers, real estate agents, title companies, and insurance partners—so that transactions stay on track and unexpected issues are kept to a minimum.

Client calculation tools

The site makes available to users a set of calculators geared toward financial planning: mortgage payment, affordability, annual percentage rate (APR), debt consolidation, early payoff, payment amortization, prepayment, refinance, rent vs. own, and tax savings.

Corporate structure and coverage

VanDyk Mortgage Corporation has a corporate office in Grand Rapids, Michigan, and its activity is subject to underwriting approval and current guidelines. The entity notes that not all applicants qualify for the products described and that programs, terms, and guarantees may change without notice, and may not be available in all geographic areas.

Locations and offices

Main office: 5330 South 900 East, Suite 250 Salt Lake City, UT 84117 · Phone: 801-703-8325 · Email: qrichins@vandykmortgage.com

Office 2: 2449 Camelot Ct SE Grand Rapids, MI 49546