# West Ridge Financial > West Ridge Financial Corp (NMLS #267440) is a 5-star rated mortgage lender founded by Mike Larsen in 2000 and based in Alpine, Utah. The team arranges home purchase loans, refinancing, resort and second-home financing, condotel loans, and private lending across Utah, Idaho, California, Colorado, Kansas, Missouri, Nevada, Virginia. Mike Larsen, Founder & President, NMLS #283715. Phone: (801) 971-3956. Email: mike@westridgefinancial.com. ## Key facts - Legal name: West Ridge Financial Corp (company NMLS #267440) - Founder & President: Mike Larsen (NMLS #283715), founded 2000 - Headquarters: 1279 E Lone Peak Drive, Alpine, UT 84004 (also Las Vegas, NV and Barnhart, MO) - Phone: (801) 971-3956 · Email: mike@westridgefinancial.com - Serves: Utah, Idaho, California, Colorado, Kansas, Missouri, Nevada, Virginia - Loans: home purchase, refinance (rate-and-term and cash-out), resort and second homes, condotels, investment property, private lending - Client reviews: rated Excellent on Google across 198 reviews (Google review widget, checked 2026-10-07). Google Business Profile: https://maps.google.com/?cid=4281219527330694015 - Videos: https://www.youtube.com/@mikelarsen-westridgefinancial This is the official West Ridge Financial website. Consult the linked pages for mortgage information, team contacts, and service areas. Review highlights on the website are selected five-star reviews; for the live Google rating, see the Google Business Profile. Loan availability and terms depend on the borrower, property, program, and licensing; contact the team for a personalized quote. ## Company and services - [Home](https://westridgefinancial.com/): Personalized home loans, customized quotes, and service with integrity. West Ridge Financial is a 5-star rated mortgage lender in Alpine, serving eight states. - [About](https://westridgefinancial.com/about): Founded by Mike Larsen in 2000, West Ridge Financial brings integrity, simplicity, and transparency to home financing. Meet our Alpine-based mortgage team. - [Mike Larsen](https://westridgefinancial.com/team/mike-larsen): Meet Mike Larsen, founder of West Ridge Financial (NMLS #283715). Personal mortgage guidance since 2000 in UT, NV, CA, MO, and VA. Call (801) 971-3956. - [Purchase](https://westridgefinancial.com/purchase): Buying your first home, next home, or an investment property? Explore home purchase financing with Mike Larsen and the West Ridge Financial team. - [Refinance](https://westridgefinancial.com/refinance): Explore mortgage refinancing, cash-out options, and changes to your rate or term. Mike Larsen and West Ridge Financial help you compare the next steps. - [Specialties](https://westridgefinancial.com/specialties): Explore condotel loans, resort and second-home financing, investment properties, and unconventional mortgage options with West Ridge Financial. - [Mortgage advice](https://westridgefinancial.com/advice): Get mortgage guidance from Mike Larsen on credit scores, down payments, pre-approval, appraisals, inspections, and escrow. Explore the advice library. - [For real estate agents](https://westridgefinancial.com/agents): Tools for real estate agents: printable listing payment flyers and an embeddable mortgage calculator. Partner with Mike Larsen at West Ridge Financial. - [Nick Larsen](https://westridgefinancial.com/team/nick-larsen): Meet Nick Larsen, Utah loan officer at West Ridge Financial, NMLS #2557353. Call (801) 971-9443 or email nick@westridgefinancial.com for mortgage guidance. ## Loan programs - [Loan programs](https://westridgefinancial.com/loans): Compare conventional, FHA, VA, USDA, jumbo, HELOC, refinance, resort, condotel, DSCR, and bank-statement loans with Mike Larsen at West Ridge Financial. - [Conventional loans](https://westridgefinancial.com/loans/conventional): Conventional mortgages with down payments from 3% for eligible buyers and removable PMI. Compare your options with Mike Larsen at West Ridge Financial. - [FHA loans](https://westridgefinancial.com/loans/fha): FHA home loans with 3.5% down for credit scores of 580+, gift funds allowed. Talk with Mike Larsen at West Ridge Financial about whether FHA fits. - [VA loans](https://westridgefinancial.com/loans/va): VA loans for eligible veterans and service members: no down payment, no monthly mortgage insurance. Get personal guidance from West Ridge Financial. - [USDA loans](https://westridgefinancial.com/loans/usda): USDA loans for eligible rural and suburban homes with no down payment. See if your address and household qualify with Mike Larsen at West Ridge Financial. - [Jumbo loans](https://westridgefinancial.com/loans/jumbo): Jumbo mortgages for homes above the conforming loan limit, including resort and second homes. Compare jumbo options with Mike Larsen at West Ridge Financial. - [First-time homebuyers](https://westridgefinancial.com/loans/first-time-homebuyers): First-time homebuyer loans with low down payments and assistance programs where available. Get a clear plan from Mike Larsen at West Ridge Financial. - [Rate-and-term refinance](https://westridgefinancial.com/loans/rate-and-term-refinance): Refinance to lower your rate, shorten your term, or drop mortgage insurance—with an honest break-even. Talk with Mike Larsen at West Ridge Financial. - [Cash-out refinance](https://westridgefinancial.com/loans/cash-out-refinance): Turn home equity into cash with a cash-out refinance—compared honestly against a HELOC. Personal guidance from Mike Larsen at West Ridge Financial. - [HELOC & home equity](https://westridgefinancial.com/loans/heloc): Tap your home equity with a HELOC or home equity loan and keep your low first-mortgage rate. Compare options with Mike Larsen at West Ridge Financial. - [Resort & second-home loans](https://westridgefinancial.com/loans/resort-second-home): Second-home and resort financing for Black Desert, Marcella, Cutalong, and beyond. Experienced resort lending with Mike Larsen at West Ridge Financial. - [Condotel loans](https://westridgefinancial.com/loans/condotel): Condotel and condo-hotel financing where most lenders say no. Specialty resort lending experience from Mike Larsen at West Ridge Financial. - [Private lending](https://westridgefinancial.com/loans/private-lending): Private, asset-based mortgage financing through a national investor network for situations standard loans can’t serve. West Ridge Financial. - [DSCR investor loans](https://westridgefinancial.com/loans/dscr): DSCR investment property loans that qualify on rental income, not tax returns. Explore investor financing with Mike Larsen at West Ridge Financial. - [Bank-statement loans](https://westridgefinancial.com/loans/bank-statement): Self-employed? Qualify for a mortgage with 12–24 months of bank statements instead of tax returns. Talk with Mike Larsen at West Ridge Financial. ## Mortgage calculators - [Mortgage calculators](https://westridgefinancial.com/tools): Free mortgage calculators: affordability, refinance break-even, closing costs, and HELOC vs. cash-out. Run your numbers, then send them to Mike Larsen. - [Affordability calculator](https://westridgefinancial.com/tools/affordability): Estimate how much home you can afford from your income, debts, and down payment. Then send your numbers to Mike Larsen at West Ridge Financial. - [Refinance break-even calculator](https://westridgefinancial.com/tools/refinance-break-even): See your new payment, monthly savings, and how many months it takes a refinance to pay for itself. Review the numbers with Mike Larsen. - [Closing cost calculator](https://westridgefinancial.com/tools/closing-costs): Estimate your cash to close: down payment, lender and title fees, escrow, and prepaids. Then get a personalized estimate from West Ridge Financial. - [HELOC vs. cash-out calculator](https://westridgefinancial.com/tools/heloc-vs-cash-out): Compare a HELOC with a cash-out refinance: available equity, monthly payments, and blended rate. Keep your first mortgage if it makes sense. ## Areas served - [Areas served](https://westridgefinancial.com/areas-served): Find West Ridge Financial mortgage services in Utah, Idaho, California, Colorado, Kansas, Missouri, Nevada, and Virginia. Explore your state and city. - [Lehi mortgage services](https://westridgefinancial.com/areas-served/mortgage-broker-in-lehi-ut): Explore home purchase loans, mortgage refinancing, and specialty financing in Lehi, Utah with Mike Larsen and West Ridge Financial’s Alpine-based team. - [Utah mortgage services](https://westridgefinancial.com/areas-served/utah): Explore Utah home loans, refinancing, and specialty financing with West Ridge Financial. Find your city and connect with our mortgage team. - [Idaho mortgage services](https://westridgefinancial.com/areas-served/idaho): Explore Idaho home loans, refinancing, and specialty financing with West Ridge Financial. Find your city and connect with our mortgage team. - [California mortgage services](https://westridgefinancial.com/areas-served/california): Explore California home loans, refinancing, and specialty financing with West Ridge Financial. Find your city and connect with our mortgage team. - [Colorado mortgage services](https://westridgefinancial.com/areas-served/colorado): Explore Colorado home loans, refinancing, and specialty financing with West Ridge Financial. Find your city and connect with our mortgage team. - [Kansas mortgage services](https://westridgefinancial.com/areas-served/kansas): Explore Kansas home loans, refinancing, and specialty financing with West Ridge Financial. Find your city and connect with our mortgage team. - [Missouri mortgage services](https://westridgefinancial.com/areas-served/missouri): Explore Missouri home loans, refinancing, and specialty financing with West Ridge Financial. Find your city and connect with our mortgage team. - [Nevada mortgage services](https://westridgefinancial.com/areas-served/nevada): Explore Nevada home loans, refinancing, and specialty financing with West Ridge Financial. Find your city and connect with our mortgage team. - [Virginia mortgage services](https://westridgefinancial.com/areas-served/virginia): Explore Virginia home loans, refinancing, and specialty financing with West Ridge Financial. Find your city and connect with our mortgage team. ## Contact and applications - [Contact us](https://westridgefinancial.com/contact-us): Talk with Mike Larsen about your mortgage plans. Call (801) 971-3956, email mike@westridgefinancial.com, or contact the West Ridge Financial team online. - [Purchase inquiry](https://westridgefinancial.com/purchase-form): Share your home purchase plans with West Ridge Financial. Tell Mike Larsen about your property, down payment, and financing needs to start a conversation. - [Refinance inquiry](https://westridgefinancial.com/refinance-form): Talk with West Ridge Financial about refinancing your home. Share your current mortgage, property, and cash-out goals to explore your options with Mike. - [Contact Nick Larsen](https://westridgefinancial.com/nicklarsencontact): Contact Nick Larsen at West Ridge Financial about your Utah home loan. Send an inquiry or call (801) 971-9443. Nick Larsen: NMLS #2557353. - [Secure mortgage application](https://267440.my1003app.com/283715/register): External application portal linked by West Ridge Financial. ## Optional - [Expanded company guide](https://westridgefinancial.com/llms-full.txt): Plain-text business facts, mortgage services, locations, and team details. - [Privacy policy](https://westridgefinancial.com/privacy-policy): Read how West Ridge Financial handles website information, inquiry forms, address suggestions, and third-party services. Find contact details for privacy questions. - [Terms of service](https://westridgefinancial.com/terms): Read the terms for using West Ridge Financial’s website, mortgage information, payment calculator, inquiry forms, and third-party services. - [Sitemap](https://westridgefinancial.com/sitemap-index.xml): Canonical public website pages.