Neil Cator

Loan Officer
NMLS # 222179
State Lic UT #5488937


My name is Neil Cator. I've been originating mortgages in Salt Lake City for 20 years. Your home loan is most likely the biggest investment in your life!

With my history of the local market, multiple referral sources and professional expertise, I will work with you to match the most logical mortgage program to meet your specific needs. We will go over all your alternatives to ultimately meet your long and short term goals. Integrity and honesty is what I've built my reputation on and I look forward to providing that to you.

Why Academy Mortgage Corp?

We ARE the lender. Your loan will be originated, processed and underwritten in my office. Your loan status is just a phone call away. With all of the tremendous changes in the mortgage industry recently, it's crucial to work with an organization that is up to date, efficient, professional and accountable. We provide FHA, VA, Utah Housing, Conventional andUSDA/Rural Housing loans. We provide solutions that meet the needs of our clients whlie making the process as efficient and stress free as possible.

Call or email me today and let's get started!


cell 801.554.5462

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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Neil Cator was amazing and was always on top of the ball with everything. I never felt like I was out of the loop on anything.

—Cameron Arellano

As a first-time homebuyer, Academy Mortgage and Neil Cator made the daunting process of purchasing a home streamlined and easy. I would absolutely recommend Academy to friends purchasing a home in the future.

—Ryan Mack

The fastest and most excellent experience I've had purchasing my new home

—DeAnna Jones, Client

Neil was very good at communicating throughout the loan processes. He kept in touch consistently with the client as well as me with any updates. This showed that he genuinely cared about the client and their interest in purchasing a home. I find that's hard to come by with some lenders so I was very impressed.

—Alexis Naylor

The only negative is all the junk mail that follows.

—Gerald Olson

Neil worked above and beyond in securing our mortgage despite the curve balls which arose along the way. He explained the process clearly as this was my first time purchasing a home and offered solid resources to help aid in my understanding. It was also reassuring when the loan officer I was working with mountain bikes the White Rim Trail over his weekend off.

—Park Willis, Client

This is the second time we have worked with Neil. He has proven he is trustworthy, knowledgable, helpful, and always willing to go above and beyond the call of duty to meet customer needs.

—Richard Hill, Client

My overall experience with the Academy mortgage and neil cater was exceptional Neil went above and beyond his responsibility to help me throughout this whole process and even taking time to know me on a personal level and his services were way more than what I expected mr. Cator and the employees of morgage Academy are very professional and very caring of the customer

—Matthew McLeod, Client

Neil is THE best!

—Jennifer Lazzara

Neil was fantastic to work with. We appreciated his detailed explanations and sound advice. Don't change anything!

—Dennis Butcher, Client

Our overall experience was great, Neil worked his butt off for us and did everything he could possibly do to get us into our first home.

—Joshua King, Client

Neil Cator has been our loan officer many times over the years. There is a reason we always go back. Neil is always focused on the clients needs and always has proven to come through. Excellent work.

—Lee Manwaring, Client

Neil listened to my needs and helped me find the right loan for my needs. He went out of his way to be available on weekends or anytime I needed him. He was on my side to try and win the houses that I was trying to buy. He even called the listing agent to stressing my strengths as a buyer

—Jarry Zaharias

Neil Cator is the reason I work with Academy. He is extremely professional, consistent, an excellent liaison and communicator. accessible on weekends and the ONLY loan officer (to date) that has attended every closing. In fact, I have never had another loan officer attend ANY closing. Neil sets the bar for loan officers. I have a tremendous amount of respect for how he conducts and manages his business.

—Scott Pirraglio, Realtor

On the most recent transaction we were able to close a week early. that was nice for all

—Cathy Maxfield, Realtor

We appreciated that Neil handled everything so efficiently. We had a unique situation with the structure of Ken's employment and our expat living arrangements and yet there were no delays in the loan process.

—Kenneth Fella, Client

Neil was amazing in taking us through the process of the loan. Where it was our first time buying a house, we had a lot of questions that he was able to answer for us. Very professional individual to work with. You can't go wrong with Academy Mortgage.

—Miguelangel Corrial

Everyone was very nice, kowledgable, and helpful

—Michael Gura