Helping Utah buyers with clarity and confidence — Ryan Harding

Education-first lending and local community work that keeps buyers informed on Lehi Utah mortgage options, Utah home loans, and smart paths to ownership.

Start here

Watch: Keys to Homebase

Quick Links

Start with education — From Rents to Roots. Explore our Lehi Utah mortgage hub & homebuyer education Utah resources, including local Utah home loans guidance and the From Rents to Roots program.

What We Help With

First-time buyers • Move-up buyers • Refinance planning • Investors

Fast approvals

We keep documentation tight, communicate clearly, and protect your timeline so your home purchase stays on schedule.

Education-first

Education-first lending: clear explanations, guided checklists, and personal support so buyers know each next step.

Local community

Rooted in Lehi and greater Utah, we bring neighborhood knowledge, local connections, and hands-on mortgage guidance for clients.

FAQ

Common questions about our education-first approach, podcasts, and local services.

Why does this page matter for SEO?

This hub consolidates local resources podcasts, and guides so search engines and AI can index our Lehi Utah content.

Do podcasts help a mortgage business?

Podcasts increase local discoverability, demonstrate subject expertise, and create shareable episodes linking to our Lehi Utah homebuyer resources.

Is this the same as the main WorkHarding.com site?

This subdomain is a focused hub for local content and education tied to Work Hard Mortgage; canonical links point to the main site for broader brand context.

Mortgage Calculator

Work Hard Mortgage • Lehi, Utah

Loan type

Presets adjust down payment and mortgage insurance estimates.

Term (years)

Home price ($)

Down payment (%)

Down payment amount: $0

Interest rate (%)

Tip: set this to your quoted scenario. Rates are estimates.

HOA (monthly $)

Taxes, insurance & mortgage insurance (estimates)

Property tax rate (% of home price / year)

Estimated annual taxes: $0 Auto

Homeowners insurance (monthly $)

Mortgage insurance rate (annual % of loan)

Used when MI is “on” (based on the cutoff below).

MI cutoff (MI is $0 when DP ≥ cutoff %)

Conventional usually turns off at ~20% down (estimate).

MI estimate: —

Estimate only. Taxes, insurance, HOA, MI, and loan terms vary by property, program, and credit profile. This tool is for planning and education—not a quote or commitment to lend.

Estimated monthly payment

Updated now

$0.00

Principal & Interest$0.00
Property tax (monthly)$0.00
Insurance (monthly)$0.00
HOA$0.00
Mortgage insurance (monthly)$0.00

Amortization (first 24 payments)

Work Hard Mortgage

Lehi, Utah • Home Loans • Education • Community