• The PERFECT HOME is waiting for you.

    The PERFECT HOME is waiting for you.

  • We're with you every step of the way.

    We're with you every step of the way.

  • Purchase or Refinancing is easy with our help.

    Purchase or Refinancing is easy with our help.

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Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted.
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Purchase a Home

Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.
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Refinance your Home

We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!
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Home Purchase Loan 

Welcome to the official site for Karen Hallam with Total Financial Health. We are a full-service mortgage brokerage based in American Fork, UT. We specialize in Home Purchase Loans and Refinance throughout Utah. We also serve the states of Colorado, Idaho, Florida, and Wyoming. Whether you are buying a home or refinancing in any of these states, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.

We offer the following the following Loan Programs:

Conventional | FHA | VA | Reverse | USDA | Jumbo | Construction | Commercial

  Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of our borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | VA Streamline | VA Cash Out | USDA Streamline | Conventional | HELOC | Jumbo

Contact Karen Hallam today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

Total Financial Health Karen Hallam
12 West 100 North
American Fork, UT 84003
Phone: (801) 372-2523
karen@tfh.me

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