Aaron Brown Email & Phone Number

Salt Lake City, Ut, Us

Call them square, but Lindon-based Box Home Loans, a division of Republic Mortgage Home Loans, doesn’t think outside the box. For this fastest-growing company in Utah Valley, it’s all about what’s inside — and they’ve proven good things come in small packages. In 2006, mortgage companies across the country were belting, “No money down!” and “Bad credit? Who Cares!” But Aaron Brown and his business partner, Jeff Reeves, put a lid on it. Their mortgage lending company would buck the trends and lend exclusively to those who fit “inside” their box — those with great credit. “Our goal,” Brown says, “was to make this traditional, vanilla ice cream loan sexy to people with great credit.” When the mortgage industry collapsed a year later — and that vanilla ice cream loan was among the only survivors — being boxed in never looked so good.In early 2006 we looked at the market. At that point all the rage was alternative lending — interest-only ARMs, no money down — all the wacko things that led to the mortgage collapse. And we thought, “Why don’t we create a company that goes in a whole different direction? Instead of lending to everyone, why don’t we lend to the cream of the crop and reward those people who have great credit?” Loans for the perfect borrower.We’d do one kind of loan over and over — the vanilla ice cream fixed rate loan. In so doing, we could create the kind of efficiencies that would allow us to make money on ridiculously low margins — and those low margins would be passed on to the consumer in terms of lower rates and fees.