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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
Your Local CrossCountry Mortgage Loan Officer
Tyler Carlston
- Originating Branch Manager
- South Jordan, UT Mortgage Loan Officer
- NMLS #1857360
I’ll be with you every step of the way
Hello! My name is Tyler Carlston. In 2021, I saw a need to help Veterans get the service they deserve, as they are the most targeted class of consumers. One way I could help fight the battle is to become a loan officer and do as many mortgages for Veterans as possible. As the originating branch manager of the Salt Lake City, UT branch of America’s #1 Retail Mortgage Lender, I’m proud to continue that mission with a team just as dedicated as I am.
My success in home financing has been recognized nationally by several publications, including:
· National Mortgage Professional 40 Under 40 list 2019
· Scotsman Guide Top Originator 2024 & 2025
· National Association of Mortgage Brokers Young Professional of the Year 2025
Transparency and doing the right thing will always lead to success. I put my clients first, treating everyone like family. Whether it’s a $100K loan for a first-time homebuyer or a $2 million real estate investment, I provide the same white-glove experience from start to finish.
Tyler’s testimonials
Guides and resources
My social posts
How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.