I'm Charles Mimnaugh with Houzd Mortgage.

I offer a wide range of mortgage options to meet your financial needs.


Whether you’re a first-time property buyer or interested in refinancing your mortgage, I’m here to guide you through the process.

Contact me today to learn what I can do for you.

Call 801-893-3876


Licensed Loan Officer (NMLS# 215395)


Rates change every day. Lets chat to figure out your best rate.


Get pre-approved.

I'll work closely with your realtor to make your home purchase happen.


 explore loans

Learn more about the many loan options I can help you with. 

Why use a Mortgage Broker?

I can save you both time and money.


Most importantly, I always keep you in the loop and work closely with your realtor to give you a streamlined experience. 


Some of the ways that I, as a mortgage broker, can help you:

  • Access many different lenders, loan types, and rates for buyers. Rates can change several times a day and I will pair you with the best one for your situation.

  • Offer loans and rates that a traditional bank cannot.

  • Work closely with you to figure out how much home you can afford.

  • Help manage your critical paperwork to help you close your loan faster.


I am a loan officer at Houzd Mortgage in Sandy, Utah.


All loans will have the benefit of the Houzd Mortgage process, experience, and service.


Houzd Mortgage (NMLS License #888979) Established 2007.


Track Your Loan

It’s easier than ever to keep tabs on your loan with our specialized UTRACK services.

Follow your loan every step of the way

  • Real-time tracking and up-to-date loan status information

  • Single-click access

  • Transparency through the entire loan process


e-Sign Today

With virtual e-closing you can make home ownership official from wherever there’s WIFI.


Close Your Loan Faster

Get a faster, easier mortgage or refinance without the hassle of gathering financial documents.


We Shop Multiple Lenders to Find You the Lowest Rate and Cost

Conventional, FHA ,VA, and USDA