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
Wednesday
8:00 AM to 7:00 PM
Thursday
8:00 AM to 7:00 PM
(Open Now)
Friday
8:00 AM to 7:00 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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I have used Steve to purchase 2 homes and refinance another, and he has been outstanding to work with every single time.When I’m buying a house, I have a million questions, and Steve is so great about answering them. I’ve liked brokers I’ve...
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Steve's team is the best, showing us different options and laying out the pros and cons. Despite the crazy buying situation, Steve managed to secure us an awesome rate. The Title Manager even commented on how great our rate was, especially...
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Steve's team is the best, showing us different options and laying out the pros and cons. Despite the crazy buying situation, Steve managed to secure us an awesome rate. The Title Manager even commented on how great our rate was, especially...
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Reply from Owner
April 3rd, 2026 03:24 PM
Thank you, Ben! We’re so glad you’re happy with your rate and the overall experience with your home purchase. Your advice about providing documentation on time is spot on and will definitely help others going through the process. We truly appreciate...
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This was our first loan experience for over 40 years and they were so patient and helpful and walked us through every step. We could not have done it without them and appreciated all they did to help us successfully get the loan. We would definitely...
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Reply from Owner
March 2nd, 2026 05:39 PM
Thank you so much for your kind words, Connie! We're glad to hear you had such a positive experience with our team and are grateful we could help guide you through the process. It was truly a pleasure working with you!
The entire team was amazing. Whitley was such a tremendous help when it came to crunching all the numbers. Whether I texted, called, or emailed her, Whitley was so prompt in responding. Brooklyn was super nice and always answered my questions....
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Steve worked very hard to get me into my loan. He was awesome to work with.
Steve did everything he could to get me into my home. He was great to work with.
Reply from Owner
February 26th, 2026 06:15 PM
Thank you, Katherine, for your kind words! We appreciate your feedback!
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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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Search Rank ScoreLearn More →
607
/850
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Positions
- Fulcrum Home Loans - Loan OfficerAug 12th, 2024 - Current
Memberships
- NMLS
- BNI
Addresses and 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