Steve Wilcox
Top Rated Mortgage Advisor
A mortgage is the Fulcrum point for most American's finances. It affects many of the financial decisions that a household makes and can ultimately determine the majority of one's net worth. It is estimated that home equity accounts for over... Show More
Location & Business Hours
Business Hours
Tues
8 AM to 7 PM(Open now)
Wed
8 AM to 7 PM
Thu
8 AM to 7 PM
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Reviews from Web
Steve and his team were AMAZING!!! They made the entire process extremely smooth and had excellent communication so we always knew exactly what was going on. Steve always makes himself available whether it's pulling numbers on houses we're...
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Reply from Owner
May 2nd, 2025 05:03 PM
I'm thrilled to hear that you had such a positive experience. It was a pleasure assisting you throughout the process. My team and I are delighted that we could help you close early and provide the support you needed to find your dream home....
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Starting our home buying process was completely out of the blue. We had no idea what to expect, and while my husband had purchased a home prior this was my first experience. Steve and the rest of the team at Modern Lending could not have made...
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Reply from Owner
May 1st, 2025 10:18 PM
I'm thrilled to hear that your first home buying experience was smooth and that I could assist you throughout the process. It was a pleasure working with you and addressing your questions, no matter the time. I'm glad that everything came together...
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I cannot recommend Steve Wilcox and his team enough! From start to finish, they made the mortgage process smooth, stress-free, and incredibly efficient. Their knowledge, professionalism, and attention to detail were evident at every step.Steve...
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Reply from Steve Wilcox
February 13th, 2025 12:02 AM
Josh, thank you so much for your kind words and for taking the time to share your experience. It means a lot to me and my team to know that we helped make your mortgage process smooth and stress-free. We strive to treat each client's journey...
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Steve Wilcox and his team at Fulcrum Home Loans made the process of financing my new home so much smoother and trouble-free than I've ever experienced. Their careful attention to communication sets them apart - answering questions before I...
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Reply from Owner
July 17th, 2026 06:52 PM
Thank you, Joy! We're so glad to hear that you had a great experience with our team. We hope you enjoy your beautiful new home!
Steve and his team are very transparent thorough and extremely available. He answered any and every question I had in purchasing our home and would trust them to do it again.
Reply from Owner
July 8th, 2026 06:59 PM
Thanks for the kind words Mauricio, we appreciate you and are so happy for your family!
Steve has gone above and beyond, not once, but TWICE. He was there for me for my first home purchase and refinance. He made himself available day and night, ensuring all my questions were answered. His professionalism, communication, and execution...
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Reply from Owner
July 2nd, 2026 04:18 PM
Thanks for the kind words Ryan, it was great working with you and I appreciate the continued support!!
Steve worked tirelessly day and night coordinating between his team to push for next tasks and making sure all the T's were crossed and all the i's were dotted. Extremely communicative, helpful, and always willing to converse over the phone...
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Steve and his team were so amazing and made everything so easy!! They fight to make sure you are taken care of and I would recommend him again & again!!
Reply from Owner
July 2nd, 2026 04:17 PM
Thank you, Kayla! I appreciate the recommendation and I'm excited for your family to enjoy your new home!
Very helpful and understanding, transaction went smoothly, highly recommend!
Reply from Owner
July 2nd, 2026 04:17 PM
Thank you Craig, much appreciated!!
We had been going in circles trying to get a small business loan. Steve gave us reasonable options and walked us through the process with ease. In 1.5 weeks we went from frustrated to funded.
Reply from Owner
July 2nd, 2026 04:16 PM
Thank you, Jon! I'm glad I could help you navigate the loan process and provide clear options. Thanks for your trust!
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About
A mortgage is the Fulcrum point for most American's finances. It affects many of the financial decisions that a household makes and can ultimately determine the majority of one's net worth. It is estimated that home equity accounts for over 68% of the average American's net worth. In other words, owning a home and having a mortgage is a very big deal. With that much on the line, it is important to trust this most crucial of decisions to a trusted source. With over 18 years experience in mortgage financing, Steve has seen a great deal of the ups and downs of the mortgage world. He & his team know how to navigate this sometimes tricky terrain in helping our clients meet their financial goals and dreams.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Primary Residence Loans
Home Loan Refinance
Investment Property Loans
Second Home Loans
Conventional Loan
VA Loan
Jumbo Loan
Fixed Rate Mortgage
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Positions
- Fulcrum Home Loans - Loan OfficerAug 12th, 2024 - Current
Memberships
- NMLS
- BNI
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2005
Licenses
- NMLS # 85327
- NMLS# 1926444
Achievements
- Top 1% Originator In American 2020 - 2024
- Top Loan officer Recognized By Scotsman Guide
- 1st Place - Best In Davis County
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Hobbies
- Mountain Biking
- Hiking
- Outdoors
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Disclaimer
| Equal Housing Opportunity | All information contained herein is for informational purpose only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Not an offer to extend credit or a commitment to lend. Terms subject to change without notice. Fulcrum Home Loans NMLS#: 1926444