Get Pre-Approved!

Ready to purchase a new home or refinance your current home? Let us find the best loan for you.

  • VA Loans
  • Conventional Loans
  • USDA Loans
  • FHA Loans
  • Manufactured Home Loans
  • ITIN 
  • Bank Statement Loans
  • One Time Close New Construction Loans
  • Down Payment Assistance Programs
  • Adjustable-Rate Loans
  • Temporary Rate Buydowns
  • HELOC
  • Reverse Mortgage Loans

One credit pull & many loan options.

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Lee Hammonds                                                                

Your Local Mortgage Broker 

Lee Hammonds is the dynamic President of Utopia Mortgage, a leading name in the mortgage and real estate industry. With a wealth of experience as a loan originator and real estate agent, Lee has dedicated many years to helping individuals and families secure their dream homes and optimal mortgage solutions. His extensive knowledge of the market, coupled with a keen understanding of clients' needs, has earned him a reputation for excellence and reliability in the industry.

A family man at heart, Lee balances his professional achievements with a deep commitment to his loved ones. He believes in the importance of home and family, a belief that drives his passion for real estate. Lee's ability to connect with clients on a personal level ensures that they receive not only expert guidance but also a compassionate partner throughout the home buying or refinancing process.

Outside of his professional life, Lee enjoys horse riding, an activity that reflects his adventurous spirit and love for the outdoors. This hobby also provides a balance to his busy schedule, allowing him to unwind and recharge.

Under Lee's leadership, Utopia Mortgage continues to thrive, providing exceptional service and tailored mortgage solutions to clients. His vision and dedication are the cornerstones of the company's success, making Lee Hammonds a trusted name in the mortgage and real estate sectors.

Opposed to retail lending, our loan officers work with multiple lending partners to provide the best rate possible.

Our mission is to work closely with our clients and lending partners to ensure more savings with less stress.

Mortgage Broker:

  • Lower Rates
  • Available Nights & Weekends
  • Endless Loan Options
  • Credit Score As Low As 500
  • Single Credit Pull

Other Lenders

Retailer Lenders:

  • Higher Rates
  • Available Mon-Fri 8a-5p
  • Limited Loan Options
  • High Credit Scores Required
  • Multiple Credit Pulls

We are here for you.

What we do.

Opposed to retail mortgage lending, our loan officers are able to choose from more than ten lending partners to ensure that we find you the best rate possible in any market. Although the market may be unpredictable, our savings are not. We average almost 1% less interest than typical mortgage loans, giving you the advantage in the home buying process. 

How we do it.

With a single credit pull, we are able to compare options from each partner to decipher which loan type and bank will save you the most money. This includes considering options like purchasing discount points to lower your rate, using a specific loan type rather than another, adjusting your down payment, etc. Each small step we take ensures that you are saving the greatest amount possible. 

How you benefit.

It all begins with choosing Utopia Mortgage. With us, you can guarantee lower rates, more options, and only a single credit pull.

Our mission is to reinvent the home buying process to become truly stress free, while saving our clients the maximum amount possible.

Inquire now

Lee Hammonds

President/ Mortgage Loan Originator

NMLS 1822057,TX, OK MLO32692, AR 117702

 

Utopia Mortgage LLC

NMLS 2421702

5485 Summerhill Rd

Texarkana, TX 75503

(903)-748-8858