Utah

Joe Stevenson

Loan Officer

NMLS #2005834
(801) 946-2778
Joe@LT.mortgage

Joe Stevenson: Empowering Homebuyers Every Step of the Way

Joe Stevenson is a dedicated loan officer with a passion for guiding clients through one of life’s biggest financial decisions. His journey into lending began with his own experience navigating mortgage options—an eye-opening process that sparked a desire to help others. After supporting friends and family through financing questions, Joe earned his NMLS license and has been serving clients with genuine care ever since.

Joe specializes in first-time homebuyers and offers a wide range of loan products including Conventional, FHA, VA, and jumbo financing for luxury properties. His strength lies in delivering more than just competitive rates—he curates options from many wholesale lenders to ensure clients receive the best value and peace of mind.

With a strong belief in education-first lending, Joe simplifies the mortgage process using clear, jargon-free communication. He walks clients through every step, from pre-qualification to closing, empowering them to make informed decisions. His proactive approach includes staying current on market trends, participating in industry webinars, and tracking economic indicators to ensure advice that evolves with the market.

Joe is known for his commitment to long-term relationships. He follows up after closing and remains a resource as clients’ financial goals evolve. One memorable success story involved helping a family previously denied by other banks refinance and save over $300 per month—a win that led to multiple referrals.

Outside of work, Joe enjoys hiking, camping, reading, and spending time outdoors. A self-defense instructor for over 20 years, he believes in the importance of personal empowerment. In the workplace, he brings empathy, adaptability, and a collaborative mindset, whether mentoring teammates or streamlining processes.

Joe’s mission is centered on service, transparency, and value. He measures success not by numbers, but by the confidence and satisfaction of his clients. Looking ahead, he aims to build a trusted referral network and expand outreach to assist low-income and first-time buyers.

Fluent in both English and Portuguese, Joe proudly serves a diverse community with integrity and heart.

My Services

Personal Loan Advisor

I am happy to help you on your journey!

Low, Competitive Rates

I will compare from several sources to get you the lowest rate.

Top Service

I will help you choose the best loan for you.

My husband and I worked with Joe Stevenson to help find a loan for our first house.  He was very helpful in answering all of our questions and breaking things down for us to understand.  We appreciated his attentiveness in communicating with us and finding the best deal that he could.  He was accessible in the evenings and weekends to help as we were house hunting.  I highly recommend working with him.


– Elizabeth Bird

My wife and I have been looking to purchase a home and were nervous to begin the process. We both work in healthcare and have limited time to sieve through the details of loan types. Joe Stevenson was exceptionally thorough and responsive. He was able to provide us with numerous options, elucidating the pros and cons of each, and match/beat what competitors were providing. He is such a kind and honest individual. Having little to no experience in loans, Joe was able to provide comfort and build trust better than any other loan officer. We are grateful for him and will be utilizing his services for future purchases due to his quality character and honesty. 


– Jacob Holt

When I needed help refinancing my mortgage, Joe was a big help! He made sure I understood every step of the process so there were no surprises. He also did a great job communicating and sharing information.


– Andrew Stevenson

Joe was a great communicator and very helpful throughout the whole loan process!


– Celine Stevenson

Joe Stevenson helped us get into our first house. He was very responsive to any questions we had and I never had to try and fight to get a hold of him no matter the day. Very friendly, professional and all around helpful. He’s definitely a great pick to have on your team in the home buying process.


– Jared Keys

So happy with the hard work and dedication Joe Stevenson did for us in such a short amount of time with purchasing our FIRST home!  Would recommend him and his team to anyone!  We are so appreciative!


– Amber Frayer