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
Fri
8 AM to 7 PM
Sat
8 AM to 7 PM
Sun
closed
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Reviews from Web
Steve and his team were so helpful throughout the entire process. We had a couple of hiccups with records and underwriting and Steve was there to explain and help us through every aspect of the process. He constantly updated us with the options,...
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Reply from Owner
August 17th, 2026 08:45 PM
Thank you, K! We're grateful for your kind words about our team's support throughout the process. Your recommendation means a lot to us!
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!
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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Reply from Owner
July 2nd, 2026 04:15 PM
Thank you, Rebecca! We truly appreciate your kind words. It’s wonderful to hear that you felt supported and understood throughout your home buying journey. Your trust means everything to us, and we're delighted to have been part of such an...
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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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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