Vern Steel

Vern Scott Steel brings a wealth of executive leadership and financial expertise to First Rate Home Loans. As a licensed Mortgage Loan Originator, Vern leverages his extensive background in strategic finance to help clients navigate the complexities of home financing with confidence and clarity.

Whether you are a first-time homebuyer or looking to refinance, Vern is committed to finding the right loan structure to fit your unique financial goals through the specialized lending power of First Rate Home Loans.

Before transitioning into the mortgage space, Vern built a distinguished career in executive management, serving as the Deputy CEO and COO for the National Rural Water Association (NRWA) and holding key leadership roles, including CFO, for the Rural Water Association of Utah (RWAU). This deep experience in financial oversight and operational management allows him to provide a high level of precision and personalized service to every borrower.

A resident of North Ogden, Utah, Vern is deeply connected to his community. When he isn’t helping clients secure their home-buying goals, you can find him cheering on BYU athletics, out on the golf course, or spending time with his wife, Cristal, and their pets.