Who is Flite Financial?

Flite Financial is a wholesale mortgage broker based in Draper, Utah, specializing in mortgage lending, creative financing, and private funding. We operate primarily online to keep our overhead low, passing those savings on to our clients with highly competitive pricing. With access to hundreds of lenders and unique loan programs, we offer options that many borrowers might not find elsewhere. This is where Flite Financial truly shines—helping clients discover the best-fit solutions tailored to their unique needs.

Here at Flite Financial, our business culture is built on mutual respect and autonomy. Our team of loan officers, processors, and assistants works on a level playing field, free from unnecessary oversight and micromanagement. Each team member has the freedom to shape their career and maintain a healthy work-life balance, fostering an environment where everyone can thrive both professionally and personally.

Who is Brad?

With over 18 years of experience in mortgage lending and creative financing, Brad Barton, president and founder of Flite Financial, built this company on a foundation of integrity and client-centered service. Starting his career by primarily assisting veterans, Brad established Flite Financial to be a firm driven by honesty rather than profit, where each client's needs and goals come first. He used his deep love for aviationas a theme, and Flite Financial was born.

What are the rates and closing costs right now?

Rates and costs vary based on multiple factors, including credit scores, loan type, and market conditions, and ultimately your goals. We offer custom personalized financing options. Our rates, and costs are customized to you and you can have confidence you will get the best rate for your needs. 

We shop the rate for you so you don’t have to. 

Is it a good time to refinance?

It could be the ideal time. At Flite Financial, our creative financing process is designed to help you develop a well-informed strategy and time your refinance to maximize benefits. If we believe the market could work in your favor by waiting, we’ll advise you to hold off. This approach is a key part of our roadmap program. By reviewing the specifics of your current loan and understanding your goals, we can discuss options that align with your needs and help you make the most of your refinance.

My bank declined me, what should I do?  

This is where we shine. At Flite Financial, we’re all about helping clients who’ve had a tough time getting approved. Traditional banks and credit unions can be overly strict without offering real solutions, but we take a different approach. We’ll build a custom roadmap tailored to your needs—whether it’s improving credit, managing income qualifications, or handling down payment concerns. During your call with Brad and his team, they’ll work with you directly to find the best path forward. On average, we’re able to get our clients to an 'Approved' status within about 3 months. 

Should I wait for the rates to go down/ for the market to get better?

We understand that, Part of our creative financing process is to help you to make an informed strategy and also to time is as well as possible. We will actually tell you to wait if we feel the market is worth waiting for. This is a huge part of our roadmap program. Not just for problems, but also for strategy. We recommend having the conversation now so you can get onto the same page and make a plan. 

How long does the process take? 

If you're in a pinch this is where we shine. Flite Financial is built upon speed and efficiency. While being extremely secure and careful with the data. 

What is a wholesale broker and why are they better than lenders, banks and credit unions?

1.   Access to Multiple Lenders:   Brokers work with multiple wholesale lenders, which can provide a broader range of options and competitive pricing tailored to different borrower profiles.

2.   Lower Rates and Fees:  Wholesale rates can sometimes be lower than retail rates offered by banks or credit unions. Brokers may be able to negotiate fees or find lenders with fewer upfront costs.

3.   Personalized Guidance and Coaching: Brokers often guide clients through the process, helping them understand each step and advocating on their behalf with lenders.

4.   Faster Approvals and Underwriting:  Get your loan to closing is as little as 11 days. 

5.   Many other reasons. Let's chat.

Is this going to affect my credit?

No worries—a quick conversation with us won’t impact your credit at all. There’s no credit inquiry in the initial stages. We only pull your credit if you decide to move forward with one of our loan programs. If you have any questions about this, your loan officer will be happy to walk you through the details!

Is my information and documentation secure?

Absolutely. At Flite Financial, security is a top priority. Our founder, Brad, brings an engineering background and a passion for tech to the table, ensuring that our server security is among the best. We use dual 256-bit encryption to protect your data—security that even rivals some government standards. Rest assured, your personal information and documentation are fully safeguarded..   

How did you get my number?

If you got a call from us out of the blue—don’t worry, we’re not here to hassle you! We actually got your info from something you filled out on online. We only reach back out when there’s a chance you might benefit from recent market changes. So, if we’re calling, there might be something exciting to share!

Can you send me some information?

We are transparent and are not hiding anything. Go to our website anytime for the latest market updates and available loan programs. FliteFinancial.com  We are here for you. Please call us during business hours and we are more than happy to send you any information you might want or answer any questions you might have.