Matt Hickman

NMLS# 250183

Loan Officer

Matt Hickman
Loan Officer

NMLS# 250183
State Lic: UT# 5952666;
444B East Tabernacle St
Saint George, UT 84770
Work: (435) 767-1704
Fax: (888) 651-1535
Mobile: (435) 632-6811

My experience with Matt Hickman, his team and Academy Mortgage has been outstanding. His attention to detail, his knowledge about the lending business, his big picture outlook set him apart from any other lender I have worked with. I would highly recommend him to anyone. Christine
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I specialize in consulting with buyers and matching their needs with specific loan products. As an important part of my responsibility, I constantly educate myself to industry changes, ensuring the best overall program and benefits for my buyers. I have been in the mortgage industry for over seven years, joining shortly after graduating from Brigham Young University. I grew up in St. George and love all aspects of my hometown. My wife and I are the proud parents of four sons.

The Hickman MacPherson team was created to give our clients the best lending experience and six dedicated individuals working together for best interest of those whom we serve.




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NMLS# 250183

State Lic: UT: 5952666;

Corp Lic: UT: 5491140-NMLC;


Three Key Factors in Qualifying for a Home Loan

When a mortgage company makes a decision about a home loan application, the lender primarily considers three basic factors:  (1) your ability to repay the loan; (2) your willingness to repay the loan; and (3) the collateral.

Ability to repay the mortgage is determined by verifying your current employment and analyzing your total income.  Lenders prefer for you to have been employed at the same place for at least two years or to at least be in the same line of work for a few years.  Your estimated monthly payment will be compared to your monthly income and debt.

Willingness to repay is influenced by how you have paid previous loans and by examining how the property will be used.  Willingness can be gauged by your credit report and previous commitments to pay rent and/or utility bills. 

Collateral is property that is pledged by a borrower to protect the interests of the lender.

It is important to remember that there are a set of rules each lender uses to assess these factors on each loan and determine if the lender will ultimately lend you money.  These rules are called a Credit Policy.  Each loan application is evaluated individually on a case-by-case basis.  Many loan applications may come up short in one area, but make up for it with other strong points.  These compensating factors may include: a large down payment, extensive educational background, or overall financial health.  Securing mortgage insurance to protect a lender in the event you are unable to make your payments may also impact your qualifying for a home loan.

Contact your Academy Mortgage Loan Officer with any questions about qualifying for a home loan.