Aaron Butler

Senior Loan Officer
NMLS # 249209
State Lic UT #7014688, CA #CA-DBO249209

Sick of hearing low rate commercials that aren't attainable with your situation, and empty promises from loan officers/companies?


I joined forces with Steve Gubler and created the "Butler Team" 5 Years ago. You get TWO licensed Loan Officers for the price of one, and we don't even turn our phones off at 5 PM like the other guys. Between my 18 years of experience and his degree in Finance Management, we can't be beat. Steve LOVES analyzing your taxes to find your most qualified income. We've been building 'Clients for Life as repeat business is the cornerstone of our success and we hope to EARN your business for YEARS to come. I invite you to put us to the test!
Please check out what other's have to say about us here.

We are powered by Academy Mortgage, the largest and most respected lender in Utah. Between our 13,000+ 5 star reviews and on time Settlements, Realtors take notice when they see our Pre Approval letter.

Steve –
A proud husband and father of two exuberant children, he has the patience for any situation. An electrician by trade, finance major by night; he’s no stranger to hard work. With his age ‘advantage’ he is known to all alike as tech genius, god, and guru. Go BYU!

Carol –
Carol motivated two children to be fantastic students at the University of Utah. Go Utes! And with a passion for swimming and biking, she knows how to bring that same level of energy to work for you. She Underwrites your file with common sense and how best to make it work. She doesn't have a "No Stamp" like the banks.
25 years banking and finance | 12 years underwriting VA, JUMBO and Utah Housing | SDSU - Just don't ask her age. :)

Tammy –
She’s our “secret sauce”, bringing passion to accuracy infused with country music. With two decades as an active Real Estate Agent behind her, she has the unique perspective of both sides of the aisle to keep an extra eye on your transaction.
Active realtor 1993-2012 | Lending Client Manager 2006 – current

Home Mortgage Tools


How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize


Renovation Loans


Welcome to Academy Mortgage

Steve and Aaron made the whole home loan process flow consistently and efficiently while always on hand to answer questions and concerns in a timely manner. They even got us to close one week ahead of schedule!

—Benjamin Kusserow, Client

Aaron and Steve were always available to answer questions, and I truly felt that nothing would move forward until I was completely statisfied and understood all aspects of my loan. As a first time home buyer, this was important to me as I had to learn new vocabulary and how the mortgage lending system works. Aaron and his team are informative, trustworthy, and very efficient.

—Holly Henderson, Client

This is my second time using Academy Mortgage with Aaron Butler and Steve Gubler, and I can honestly say that I will never use anyone else. They were both so great to work with, kept me updated and educated throughout the entire process, and made it incredibly easy and stress-free. Thank you!

—Melissa Adams

Aaron and Steve were both great to work with. Steve helped sort through all the details of getting our loan processed and Aaron worked hard to get us the best rate available. I wouldn't hesitate to work with them again.

—Tim Lovell, Client

Aaron is a consummate professional, I always know my clients are in good hands when I offer a trusted referral to Aaron & Academy.

—Chris Sudgen, Realtor

Both Aaron and Steve have been more than helpful throughout the entire process. We brought it down to the wire and they made sure I got the keys on time.

—Royce Johnson, Client

Aaron and Steve were incredibly fast with the process and great to go over details of every step along the way.

—Megan Tidwell

Aaron and Steve were fantastic to work with. They made time for all of my questions, helped provide guidance and offered up multiple options. They always made me feel like I was their top priority and they made the home buying experience less stressful.

—Dominique Suarez

I appreciate Aaron and Steve- and the service they provide to my clients!

—Kim Dixon

Aaron and Steve did a great job! I will use them again.

—Tim Gill, Client

Though it was busy time and we never made appointments, we walked in and were quickly greeted, sat down with Aaron and busted out the calculator to tell us exactly what we could do. From then on it was just as easy being informed and updated for an extremely smooth process beyond what I thought it was going to be. I chose Academy because it was on Utah Housings top 5 lender's and had 5 star reviews, now with the process complete I can see why.

—Scott Stonehocker

We had actually started with another mortgage company, but our realtors said we should talk to Aaron. He was great! We went with Academy Mortgage the day we met him!

—Byron Harvison

Aaron is one of the most personable and hard working business professionals that I know. Friendly and yet down to business, he worked extremely hard with me to find the best mortgage rate from the beginning of my home search all the way through to the closing.

—Suzanne Wendelken, Client

—William Jay Carlson

My financial situation is unique and the organization went above and beyond to find a solution to get me the lending while maintaining integrity and honesty.

—Nicholas Renzo, Client

Thanks to steve too he was great!

—Jesse Whisnand

Aaron and his assistant Steve were great to work with. They handled everything in a very timely manner. I would defiantly recommend this team as your mortgage advisors.?

—Tyler Anderton, Client

This was the second home I have purchased. With my first home I was very impressed with the level of service I received and felt the bar was set pretty high. After dealing with Academy I realize what I thought was a high bar was not that high after all. Academy exceeded every standard that was previously set by a huge margin. I was truly impressed with the level of service I received. I was especially impressed with the responsiveness and high level of communication throughout the whole process. Not only did I feel like the level of expertise was top notch, their communication throughout the process was incredible. Never once did I feel like I was not 100% in the loop regarding all aspects of my mortgage and I appreciated their willingness to answer all of my questions any time. Thank you for making our dream home a reality!

—Myles Straube, Client

I was highly impressed with Aaron Butler and his team. He did a fantastic job of stepping in and keeping a tricky deal together. He was very positive and friendly, professional, organized and fast. He exhibited every good quality I would look for in a loan officer. He is definitely someone I will refer in the future.

—Jode Allen, Realtor

—Tomas Anthony Cruz

Aaron did a wonderful job. He was willing and able to meet the client on a Saturday. He often spoke with the client at odd times due to their work schedule in NY. Everything went smooth and docs were available ahead of schedule!

—Dallas Eichers, Realtor

Academy Mortgage and senior loan officer Aaron Butler made my home-buying experience almost effortless. Aaron, along with Steve Gubler, responded promptly to my questions, provided helpful information, and went the extra mile to see that my mortgage process went smoothly. I highly recommend Academy Mortgage.

—Debra Drummond, Client

Aaron was amazing to work with. One of the smoothest closings I've had in years.

—Dawn Stevens, Realtor

Aaron and his team were fantastic to work with. They proactively communicated with me during the entire refi. Very responsive to my questions and concerns.

—Joseph Salisbury, Client

—Paul Reynolds

Aaron and his team were great to work with. I received a sign call from a buyer that really wasn't too interested in buying, he was likely going to continue to rent, but wanted to look at a couple properties for sale. I turned him over to Aaron, and within just a few days, he was prequalified and serious about buying. After going over his options with the team, he realized he could buy and it was a better fit for him. I probably wouldn't have ever heard from him again if it wasn't for Aaron and his team. The whole process went as smooth as could be. Good work!

—James Quinn, Realtor

Aaron and Steve were incredibly fast with the process and great to go over details of every step along the way.

—Megan Tidwell

Was a fast, smooth process with communication that exceeded my expectations. Thank you Academy Team.

—Jeffrey Amerongen, Client

Arron and his team were there for my wife and I every step of the way. They had answers to all of our questions and kept constant contact via email with us. We will definitely recommend them to anyone in the market for mortgages.

—Martin Nish, Client

Everything was so streamlined and easy to follow. The communication with all people involved was excellent. I felt like a valued customer and I would recommend this team to everyone I know. Which I have already!

—Jacquelin Coonce, Client

I had a wonderful experience. The process was very smooth and quick. Thanks so much for the hard work!

—Rachel Woolston

We always knew where we were in the transactions thanks to those awesome videos. The whole team was excellent to work with!

—Tami Hansen, Realtor

The overall process went very smooth and somebody was always available in case I had any questions. The whole Academy Mortgage team was easy to work with and always kept me informed.

—Carlos Ayala, Client

Steve and Aaron are a great team


I was reffered to Aaron Butler through a friend. Aaron and Steve went above and beyond for me with everything I needed. The process was so smooth and I felt super supported by both of them. Thank you for everything you did for me. I am truly grateful. :)

—Cori Marston, Client

Great service, fast and knowledgeable. You guys are awesome.

—Bailey Thompson

Aaron and his team were great to work with. I received a sign call from a buyer that really wasn't too interested in buying, he was likely going to continue to rent, but wanted to look at a couple properties for sale. I turned him over to Aaron, and within just a few days, he was prequalified and serious about buying. After going over his options with the team, he realized he could buy and it was a better fit for him. I probably wouldn't have ever heard from him again if it wasn't for Aaron and his team. The whole process went as smooth as could be. Good work!

—James Quinn, Realtor

Steve and Aaron were very professional and kept me informed every step of the way.

—Chris L Bremer

Aaron and Steve really went above and beyond to make my first home purchase happen. Before I went to Academy Mortgage I felt like all the loan officers were just trying to find the easy painless way through the process. These guys really understood my goals and passion surrounding a particular property and made it happen. I closed less than a month ago and have already passed them along as a recommendation to multiple people. Thanks for making it happen guys.

—Kyle Hedman, Client

As an agent, I want all of my clients to have a first class experience. Aaron created that not only for my buyer, but for me as well. I will recommend him again.

—Scott Maruri, Realtor

I was amazed at how quickly Academy Mortgage was able to close my loan and at how few requests I had from under-writing.

—John Bennett, Client

I always enjoy working with Aaron and The Butler Team. They work in harmony with me and my clients in determining the best loan package for each scenario. They guide our clients through the process in a very personable and professional manner. Thank you Steve, Tammy, Carol and Aaron! I look forward to making 2018 another auspicious year for us and our clients. Peace... Dwight

—Dwight Lindsay - Imagine Real Estate

Aaron is a consummate professional, I always know my clients are in good hands when I offer a trusted referral to Aaron & Academy.

—Chris Sugden, Realtor

Aaron and Steve were wonderful in helping me get my mortgage. They always responded quickly to my messages and were attentive when I was concerned about something or when I was feeling uncomfortable with something. They really did their best to make sure I was comfortable with the process and with my mortgage. I couldn't have asked for better people to help me get into my home. I really appreciate everything they did and would recommend them to anyone (especially nervous, first-time homebuyers like myself).

—Delyn Downs, Client

Aaron Butler is professional and very easy to work with. I have never had to extend a settlement when he is the loan officer. I just had a quick 3 week deal and I told my buyer that Aaron would be the only lender to trust to complete a quick deal. And he did--even early!! Thanks, Aaron!!

—Julie Mathews, Realtor

Aaron did a great job for me. He took the time and helped me decide what was the best loan for me. He and Marci were always helpful and available to answer any questions or concerns. Thanks for making my dreams come true!

—Shantale Ferguson, Client

We were beyond satisfied by our experience with Academy Mortgage! Aaron Butler and Steve Gubler were the best - top notch customer service, very responsive and willing to take the time to answer questions. We highly recommend them and Academy!

—Stan Glasby

Aaron and Steve were a true pleasure to work with. They are consummate professionals, and I found them both to be consistently available, accessible, and very wonderful to work with. Words alone fail to do justice to them and the high-quality level of service that they provide.

—Micah Scholes

Steve and Aaron are a wonderful team, working together in the clients best interest.


Everyone was friendly, explained things well, and the process was clear. I'm very happy with how it went.

—Jessica Parker

Aaron and Steve were a great team and made the stressful process of financing our new home very easy and as stress free as possible. Their communication was friendly, professional and timely. We will use them again for any refinancing needs and would highly recommend you do too.

—Darren, Client

I don't normally write reviews but I had such a great experience that I had too. I just closed on my third transaction with Aaron and Steve with Academy Mortgage! My clients being a first time home buyers, I was nervous and they had a TON of questions. Aaron and Steve were AMAZING! I truly felt like they had our best interest at heart which made us feel at ease. During this process my clients were working 7 days a week and they were able to work around their crazy schedule and were very easy to get a hold of. Aaron and Steve were patient and knowledgeable and were able to answer ALL questions. It was because of them that this process was painless and stress free. Not to mention they were able to lock my client in at a fantastic rate and the transaction was quick and efficient! I have and will continue to recommend them to anyone who is looking to buy a home. Thank you Aaron and Steve for making this happen for me!

—Julian Werly, Realtor

Going the extra step to overcome hurdles that arise during the loan process.

—Brian Doughty, Realtor

Aaron and his team are phenomenal. What a great experience. Applying for and going through the loan process can be very stressful, but Aaron and Steve made sure we were well informed and were quick to answer any questions. Our refinance from start to finish took just two weeks. We won't ever go anywhere else. Thanks for your hard work.

—Daniel DeVoogd, Client

Steve and Aaron were the best

—Dale Curtis

Aaron and Steve were always helpful and responded as quickly as they could. I felt like I really mattered and that I wasn’t just another customer

—David B Curtis Jr

Academy was easy to work with. They were friendly and provided excellent customer service. They did everything in a timely manner.

—Les Bailey, Client

Aaron was amazing to work with. He kept me well informed and went above and beyond to get me a great interest rate. His whole team bent over backwards to ensure the funding process went smoothly.

—Patricia Bennion, Client