Hello, I'm Tamara Torkelsen

Let's Find the Right Path to Your Front Door

Buying a home should feel like coming home — not like navigating a maze. I'm here to guide you through every step with clarity, care, and the kind of personal attention that turns a complicated process into a confident decision.

(801) 948-8235 Explore Services

15+

Years Experience

500+

Families Helped

A+

Client Satisfaction

Elegant home exterior representing the dream of homeownership

Your home story
starts with a conversation

Sandy, Utah & Surrounding Areas

Professional mortgage consultation in a warm office setting

About Tamara

A Trusted Name in Sandy Mortgage Lending

Personal service, real results — that's the standard I set for every client.

With over 15 years of experience in the mortgage industry, I've built my practice on a simple belief: every family deserves a lending partner who listens first and explains clearly. Based in Sandy, Utah, I've helped hundreds of buyers — first-timers and move-up families alike — find loan solutions that fit their lives, not the other way around.

Whether you're searching for your first home, refinancing to take advantage of lower rates, or exploring options like FHA, VA, or jumbo loans, I bring the same level of dedication and expertise to every conversation.

Licensed & Certified in Utah

Client-First Approach

Fast, Transparent Turnaround

Local Sandy Community Focus

What I Offer

Mortgage Solutions Tailored to You

From your first search to the day you get the keys, I provide expert guidance through every type of home loan — so you can move forward with confidence.

First-Time Buyer Loans

Whether it's an FHA, conventional, or USDA loan, I'll walk you through every option so you can find the program that fits your budget and goals — no jargon, no pressure.

Refinancing

Lower your rate, shorten your term, or tap into home equity — I'll run the numbers with you and show whether refinancing makes sense for your situation.

VA Loans

Serving those who served — I specialize in VA loans with competitive rates and zero down payment options for eligible veterans and active-duty service members.

Jumbo Loans

Purchasing a luxury or high-value property? I offer competitive jumbo loan programs designed for homes that exceed conventional conforming limits.

Loan Consultation

Not sure where to start? Schedule a no-obligation consultation and I'll help you understand your options, improve your readiness, and build a clear plan.

Government Programs

FHA, USDA, and state-specific assistance programs can make homeownership more accessible. I'll help you determine which programs you qualify for and how to use them.

How It Works

Your Journey to a New Home

A straightforward, stress-free process from our first conversation to the day you turn the key.

Reach Out

Call or message me to share your goals. I'll listen first and answer your questions with honesty and patience.

Get Pre-Approved

I'll review your financial picture, explain your options, and secure a pre-approval so you know exactly what you can afford.

Find Your Home

With your pre-approval in hand, you'll shop with confidence — and I'm here whenever you need guidance or adjustments.

Closing Day

I'll coordinate every detail so closing goes smoothly. You'll walk into your new home knowing everything was handled with care.

Client Stories

Words from Families I've Worked With

The relationships I build with my clients are the foundation of my practice — and their trust means everything to me.

Tamara made what we thought would be a terrifying experience feel completely manageable. She explained everything in plain language and never made us feel rushed. We closed on our first home in under six weeks.

Michael & Sarah T.

Sandy, Utah

As a veteran, I was proud to work with someone who truly understands VA loans. Tamara found me a rate I didn't think was possible and guided me through every single step with patience and professionalism.

David R.

Draper, Utah

We refinanced our home during a complicated market and Tamara kept us informed at every turn. She was honest about what would and wouldn't work for us, and we saved significantly on our monthly payment.

Jennifer & Robert K.

Sandy, Utah

Let's Talk

Your Home Loan Journey Starts with a Single Conversation

There's no obligation, no pressure — just an honest discussion about where you are and where you'd like to go. I'm here when you're ready.

(801) 948-8235
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Get in Touch

I'd Love to Hear from You

Contact Information

Office Address

9017 S Riverside Dr #100
Sandy, UT 84070

Phone

(801) 948-8235

Office Hours

Monday – Friday: 9:00 AM – 5:00 PM
Saturday & Sunday: By appointment

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