Chad Fowers Mortgage Lending Utah Utah Mortgage Loan Originator · NMLS #1332276
801-695-8228 Get My Free Game Plan
Free  ·  Live  ·  4-Week Challenge  ·  Next Cohort: Loading…

You're Closer to
Owning a Home
Than You Think.

Join the free 30-Day Homebuyer Readiness Challenge — live weekly coaching calls, a private community, expert panels, and a personalized roadmap. No guesswork. No pressure. Just 30 days of doing the work together.

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Reserve My Free Spot → Learn More
100% Free  ·  Live on Google Meet  ·  Private Community  ·  Expert Panels  ·  Personalized Certificate
30-Day Homebuyer Readiness Challenge
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4 Live Weekly Group Calls on Google Meet with Chad
Daily Tasks & Weekly Challenges to build real momentum
Private Buyer Community — accountability and support
Guest Expert Panels — title, legal, agent, credit
Personalized Certificate & Roadmap you earn at the end
Ongoing Community Access after the challenge
Reserve My Free Spot →
Already pre-approved or ready to apply? Get a personalized game plan instead →
Utah Licensed
NMLS #1332276
Fidelity First Funding
Clear Pre-Approval Guidance
No Pressure to Start
Find Your Path

Three free offers. One that's right for where you are right now.

Every visitor is in a different place. Pick the path that matches yours and you'll know exactly what to do next.

30-Day Live Challenge · Free

I'm not ready to buy yet — but I want a real plan to get there

  • You've been told 'not yet' with no guidance on what's next
  • You feel overwhelmed and don't know where to start
  • You want structure, accountability, and someone in your corner
  • You're ready to do the work — you just need a path
Join the Free Challenge →
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Free Workshop · Every Thursday · 7 PM MT

I want to understand the basics before I commit to anything

  • You're curious but not sure you're ready for a 30-day program
  • You want to learn how mortgages actually work in plain language
  • You'd rather listen first, then decide what's next
  • You have 60 minutes and want real, honest information
Join This Thursday →
Free · 60 minutes · No pressure
Free · 1-on-1 with Chad

I'm ready — I want to know my real numbers and next steps

  • You understand the basics and are ready to talk real numbers
  • You want to know your actual buying power and payment range
  • You're ready to get pre-approved or close to it
  • You want a clear plan from someone who'll level with you
Get My Free Game Plan →
Free · No obligation
Who I Work With

Mortgage Guidance Built Around Your Next Move

Whether you're buying your first home, moving up, investing, refinancing, or helping clients win offers — the right mortgage plan starts with clear numbers.

First-Time Buyer

Understand what you qualify for before you start touring homes.

Start Here →

Move-Up Buyer

Sell, buy, and finance your next home with a clear plan.

Plan My Next Move →

Investor

Review financing options for your next rental or investment property.

Review My Options →

Refinance

See whether a refinance actually makes financial sense for you.

Check My Numbers →

Realtor Partner

Give your clients a responsive LO who communicates clearly.

Partner With Chad →
Chad Fowers - Utah Mortgage Loan Originator
About Chad

A Loan Officer Who's Been
On Your Side of the Table

I'm Chad Fowers — a mortgage loan originator with Fidelity First Funding, based in Pleasant View, Utah. But before I was in lending, I spent nearly a decade inside the real estate industry from a different angle.

I started my career at Fidelity Investments as a stock trader and relationship associate, where I learned how to analyze numbers and communicate financial information clearly to real people. In 2017, I got my real estate license and began working as an agent — while also buying, renovating, and selling investment properties here in Utah. I've been the buyer writing the offer. I've been the seller watching deals fall apart over financing. I understand what's at stake on both sides.

In late 2025, I made a deliberate decision to get my mortgage license and move into lending — because I believe the financing conversation is where most buyers need the most help, and where the right guidance makes the biggest difference. I'm not here to push paperwork through. I'm here to help you understand your options before you feel pressured to act.

Former real estate agent and Utah investment property owner
Finance background — Fidelity Investments stock trader & relationship associate
Utah local — Pleasant View, Northern Utah roots
Husband, father of three — real estate is personal, not just professional
Get My Free Game Plan Call Chad — 801-695-8228
The Process

Your Mortgage Game Plan in 3 Simple Steps

You don't need to have everything figured out before reaching out. That's exactly what the game plan is for.

1

Tell Me Where You're Starting

Share your goals, timeline, income picture, and what you're hoping to accomplish. No documents required at this stage.

2

Review Your Numbers

We'll walk through estimated payment ranges, down payment options, and possible loan paths so you understand what may fit your situation.

3

Move Forward With Confidence

When you're ready, you'll know what steps to take next and how to prepare for a stronger pre-approval. No pressure before you're ready.

Get My Free Game Plan
For Real Estate Agents

A Mortgage Partner Your Clients Can Actually Reach

Real estate agents need more than a pre-approval letter. They need communication, strategy, and a loan officer who helps protect the transaction from start to finish.

1-Hour Pre-Approvals
Move fast on competitive offers without waiting on your lender.
Proactive Weekly Updates
You'll never chase me for a status update on an active file.
Co-Branded Buyer Workshop
Your own workshop link with your name and photo alongside mine.
Listing Presentation Support
I'll join your listing presentation to speak to buyer financing.
Let's Talk About Partnering

I'm not looking to work with every agent. I'm looking to build deeper partnerships with agents who care about the client experience.

Chad Fowers
Chad Fowers · NMLS #1332276

"I'm not looking to work with every agent. I'm looking to build real partnerships with agents who take their client experience seriously."

Apply to Partner
100% RESPA compliant · Service-based benefits · No referral fees
Why Chad

Clear Mortgage Guidance Without
the Bank-Style Stress

Clear Numbers

Understand estimated payments, cash needed, and qualification factors before you make big decisions.

Local Utah Guidance

Work with someone who understands Utah buyers, agents, and local market expectations — not a call center.

No-Pressure Process

Get answers and next steps without feeling rushed into an application before you're ready.

Communication First

Buyers and agents deserve updates, clarity, and a loan officer who follows through every time.

Know Before You Offer

Ready to Know Before You Offer?

Get a clear Utah mortgage game plan so you can understand your options, prepare your next steps, and move forward with confidence.

Get My Free Game Plan Join Free Thursday Workshop
No pressure. No obligation. Just a clearer starting point.