Advocate Home Loans, Inc.  NMLS # 315362  -  Toll Free 877-224-3450

Please scroll down to see Privacy Policy Notice on Home Page. 


No Orig. Cost/Fee Loan: 
Get Started:
Current Rate:

What is a no Loan Cost mortgage? Is it right for me?
3.750% & up for 30 yr.

     No Loan Cost

We have Conforming, FHA, VA,
High Balance, Jumbo, USDA loans.

Save Money!

3.750%*          *APR 3.750% 30-Year Fixed in Jan 2020 with No Orig. Fee/pts.


Calculate Your Options
Figure out your monthly payment in advance by estimating your loan amount, interest rate, and length of mortgage.
Your Loan Advocate
Let us be your advocate and determine if you are getting the best rate and loan possible. We will look over your current loan situation and give our opinion whether or not it is legitamate.

Your Realtor's Lender/Broker may not be the best for you in getting a mortgage for your purchase:

There are many good Realtors that have the best interest for their clients, but sometimes the Realtors preferred lender is not the best person to do the job of getting a mortgage. A good Realtor should never put pressure on you to use their lender only, but allow you to shop around for the best deal for you. They should help you review the different quotes from multiple lenders, service history of getting loans closed on time, and the knowledge and experience of the Loan Officer (LO), PLO, or PLM.

We would like you to give us the opportunity to quote you a Loan Estimate based on an apples to apples analysis for your unique purchase. As a rule we will save you thousands on dollars in closing close and get you a better rate. Just one call to us could save you thousands.

This is our promise to you - Great Rate, low cost, and best service since June of 2005

We at Advocate Home Loans, Inc. (NMLS # 315362) have never put our customers at risk by putting them in a high risk or bad mortgage. All loans that are closed are reviewed by Michael Dean Wilder to make sure they are the best loans for our customers. We have never done:                 

  1. Sub-prime Mortgages   2. Option ARM's Mortgages  3. Talked a customer into an ARM

We do not charge junk fees or change the Loan Estimate at closing. We have never had a complaint written to us directly or filed with the state from a customer. The mortgage that you get is a loan we would do for ourselves. You have my word on it.

                                        Michael Dean Wilder, President/Owner

Call Us Today To Help You Navigate
Through The Mortgage Minefield

We at Advocate Home Loans, Inc. can help you get a loan at a great rate. Loans are much harder to get today, but we  understand the market and can get you approved. Check our 30 year fixed rates. They are the among the BEST in the industry today. Also call about our FHA, VA, and USDA mortgages.

Why Choose Advocate Home Loans, Inc.?

Why pay thousands of dollars in points to get a mortgage from our competitors when you can get the same rate at Advocate Home Loans, Inc. with no point or even no Loan Cost? You may ask, "How do you do it?" Simple, we make less money per loan and pass the savings on to you by giving you a lower rate.

You will not pay for any origination points. Yet, you have the option to pay extra to get a lower rate. For example, if you have a $350,000 mortgage you pay $0 in origination fees not $3,500 or higher. Call us today for an appointment. Also, ask about our No Loan Cost Mortgages.

We also offer mortgage consulting for those who are looking and/or have signed with another mortgage company. We will be your "advocate" to help protect you in a "bait and switch" situation which could save you thousands of dollars.

Privacy Policy Notice:

Protecting your private information is our priority. This Statement of Privacy applies to the and Advocate Home Loans, Inc. (NMLS # 315362) and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Advocate Home Loans, Inc. include The Advocate Home Loans, Inc. website is a News, Rates & APR, cost and other information site and not designed to collect mortgage application information. By using the Advocate Home Loans, Inc. website, you consent to the data practices described in this statement.

Collection of your Personal Information

We do not collect personally identifiable information from our users indirectly. We may gather some non-personal and personal information in the future directly from the user with their full authorization. This information will be used only for the purpose of doing a Pre-approval Letter, Fees Worksheet Quotes, Loan Estimate , or full loan application for a mortgage.

Information about your computer hardware and software WILL NOT be automatically, directly or indirectly collected. This information not collected can include: your IP address, browser type, domain names, and access times referring website addresses. Other information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Advocate Home Loans, Inc. website.

Advocate Home Loans, Inc. encourages you to review the privacy statements of websites you choose to link to from Advocate Home Loans, Inc. so that you can understand how those websites collect, use and share your information. Advocate Home Loans, Inc. is not responsible for the privacy statements or other content on websites outside of the Advocate Home Loans, Inc. websites.

Security of your Personal Information

Mortgage information can be collected by using DocuSign, EASEDocs, Dropbox, fax, and all pdf application papers set by lenders are password protected.

Advocate Home Loans, Inc. secures your personal information from unauthorized access, use or disclosure.


Children Under Thirteen and under Eighteen

Advocate Home Loans, Inc. does not knowingly collect personally identifiable information from children under the age of thirteen and under Eighteen. If you are under the age of thirteen or under eighteen, you must ask your parent or guardian for permission to use the website.


Opt-Out & Unsubscribe

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communication from Advocate Home Loans, Inc. by contacting us here: 


- Web page:

- Email:

- Phone: 877-224-3450


Changes to this Statement

Advocate will occasionally update this Statement of Privacy to reflect company and customer feedback. Advocate encourages you to periodically review this Statement to be informed of how Advocate is protecting your information.


Contact Information

Advocate Home Loans, Inc. welcomes your questions or comments regarding this Statement of Privacy. If you believe that Advocate Home Loans, Inc. has not adhered to this Statement, please contact Advocate Home Loans, Inc. at:


Advocate Home Loans, Inc.

11774 Whatta View Place 

Riverton, Utah 84065


Email address:

Telephone: 877-224-3450 

Effective as of May 5, 2014 

Call us today toll free at 877-224-3450

  Advocate Home Loans, Inc. (NMLS # 315362) is committed to giving you some of best rates, lowest Loan Cost, and timely service in the industry today. When we give a Loan Estimate (LE) and lock the rate, we will guarantee (no bait and switch here) the rate and LE reported Loan Cost (title cost not included and no change in documentation). We want your business today and tomorrow, also from your family, friends, and associates. Our company is based on repeat business and referrals. We do apply the “Golden Rule” and maintain the highest level of integrity, trust, and professionalism as a licensed mortgage broker.
Equal Housing Opportunity