Testimonials

I first met Andrea when she participated in a mountain biking clinic I teach, and then saw her name on the list of Affordable Housing preferred lenders so knew she was familiar with the specific affordable and deed-restricted housing options available in Park City. When I contacted her, she was available to meet and go over my needs right away. She helped me build a complete cash flow statement in order to see the big picture, and we discussed what I was comfortable paying. She worked up multiple options based on my requests, including a zero-down scenario. When an initial appraisal was done on the property and was not what we were expecting Andrea took it upon herself to contest the appraisal, presenting some very valid information, and was successful in getting it amended. She really did anything she could to keep all my options available until a decision was made. She gave me a very competitive rate and went above and beyond to ensure I got the best mortgage for my needs. She cares, empathizes and holds herself accountable for all her promises. I felt that Andrea really understood my situation, and she never suggested I do anything that felt risky. The whole process went smoothly and I felt comfortable working with someone both knowledgeable and personable. I definitely recommend Andrea!

3 years ago
Jessica M.
Park City, Utah

Andrea is very helpful, if you have a question through text,e-mail, she'll reply in seconds. She clearly explained the rates, fees, terms ,everything. Very optimistic, she made us feel that we can get the home that we always wanted. Highly recommend as a mortgage professional! Thanks Andrea!

2 years ago
Jasmin C.
Park City, Utah

Andrea is a top flight professional who not only knows the mortgage business inside and out, but holds your hand all the way through the process, making sure the underwriters and lenders are doing their jobs. Her gift is providing personalized service and protecting her client's best interests as they navigate the sometimes arcane procedures required to successfully secure a home loan. Andrea is now a personal friend, not just a trusted financial advisor.

2 years ago
Soozi R.
Heber City, Utah

We are a first-time buyer and andrea helped us through the entire process. She went above and beyond assisting us to get the mortgage loan that suits our financial capacity. We were pretty nervous, but she made us feel we could do it. Now we are a proud owner of our first home! Thanks a lot Andrea!

2 years ago
Chelou L.
Park City, Utah

Andrea went above and beyond to make sure we got the best mortgage for our needs. Highly communicative and helpful throughout the entire process. We've dealt with several mortgage brokers before, and will be working with Andrea again next time. Can't recommend Andrea enough!

2 years ago
James A.
Signal Hill, Ca.

I've worked with Andrea in different capacities of business and now know who I can trust for lending advice. I've spoken with other clients of hers that truly cannot say enough good things about her and the service she provided them. She is one of those individuals that goes above and beyond the call of duty and basically holds your hand throughout the process. 100 STARS!!!

2 years ago
Vicki A. Wickman
Park City, Utah

Andrea is a true professional in the mortgage industry. She just completed a personal transaction for me and did an AMAZING job. RESPONSE FROM THE OWNER 5 MONTS AGO: Thank you Katrina for you words and sharing !

3 years ago
Katrina A.
Park City, Utah

I would highly recommend Andrea Cox of 1st Rate Mortgage for all of your loan needs. Andrea helped me with my first mortgage and got me into my very first home. She went above and beyond in teaching me every step of the process along the way and caring about what was best for me and my situation. She kept me so informed, protected my money and had my back through the whole process. I fully trust her and would recommend her to all of my family and friends. RESPONSE FROM THE OWNER ONE MONTH AGO: Thank you : I feel honored to have played a part on your amazing journey to homeownership. I will always be available to you, friends and family to make sure you are in the best mortgage for your needs. You are my client and now friend for life !

2 years ago
Rachel A.
Park City, Utah

Awesome experience! Our family was relocating from out of state and we hadn’t owned a home in years. Andrea met with us over dinner, really sought to understand our situation, and presented us with several different loan options. She is very open and honest. She clearly explained the tradeoffs between rates, fees, and terms, and the events that might cause rates to change. She has superb attention to detail and is very focused. We had a last minute contingency, and Andrea got on the phone with everyone (including my payroll company!) to get the documents we needed. In the end, we got a great rate, low closing costs, and a mortgage professional we can count on for future needs. Thank you, Andrea!!! RESPONSE FROM THE OWNER 5 MONTHS AGO: Thank you so much Ray for your thoughtful words. What I love about my job is getting to know wonderful people like you and your family ! That is invaluable to me. We can't wait to see you soon here in Park City ! As you know you belong to my 'After Closing Service Program' where I will keep you updated on your home value and total cost analysis with current strategies to make sure you are always in the best mortgage for your needs, at all times ! Welcome to Park City !!!

2 years ago
Ray R.
Park City, Utah

Andrea has helped me out now twice, both with a first time purchase and a refi. Both times she was extremely responsive, patient, and diligent in making sure everything went smoothly! Can't say enough nice things about working with her - I'd recommend her to friends, family, anyone really, if you want someone who cares both about you and about going above and beyond to give you the best service. RESPONSE FROM THE OWNER A MONTH AGO: Thank you Andy for your kind words. You know I will always be here for you to ensure you are always in the best financial situation given the latest trends and market situation.

2 years ago
Andy F.
Park City, Utah

Treated me like a friend or family member throughout the process, made me feel taken care of and was patient! Highly recommend

2 years ago
Aubrey B.
Park City, Utah

Andrea was the best helping my husband and I to buy our first home. She was so dedicated and caring about every detail, I will recommend her for anyone, she is the best. RESPONSE FROM THE OWNER TWO WEEKS AGO: Thank you Giannina. It is super important to me that you know that I will always make sure that you and Jared have the best mortgage for you at all times. What I love about my job is to have the opportunity meet and help wonderful people like you two. I am so grateful for that !

2 years ago
Giannina F.
Park City, Utah

My son and I just complete the purchase of a "first time buyer" home purchase in Park City. Andrea Cox did a professional , skillful and knowledgeable job of navigating a sometimes difficult loan process (as first time buyer transactions can be). We are very thankful for Ms. Cox's guidance and perseverance. When my son was handed the keys and walked in to his new home it was all worth it! RESPONSE FROM THE OWNER ONE MONTH AGO: Stan: Thank you so much for your kinds words. It was challenging but there is nothing more rewarding to me than to help my clients in getting the home of their dreams.

2 years ago
Stanton H.
Park City, Utah

Andrea is helping me to get my own home, she clearly explained the rates, fees, terms, everything. She is very optimistic that she made us feel that we can get the home that we always wanted. Highly recommend Andrea Cox 1st Rate Mortgage for all your loan needs. RESPONSE FROM THE OWNER TWO WEEKS AGO: Hi Jasmin: I like what your daughter did with your account (captain Potatoe :) ) I really appreciate your kind words. I am never too busy to help you and your family get the home of your dreams.

2 years ago
Captin Potato
Park City, Utah

I work with a lot of mortgage brokers in my job. Andrea is one of the most caring, hard working, honest mortgage brokers I have ever worked with. I've seen her go above and beyond on many transactions to help her customers get in to their home. She is definitely one of the best mortgage brokers out there.

2 years ago
Steve S.
Park City, Utah

I found Andrea in the list of Affordable Housing preferred lenders plus I had met her while teaching mountain biking clinic. When I contacted her, she immediately made herself available to meet and go over my needs. She met with me multiple times. She even sat with me and built a complete cash flow statement to make sure I was comfortable with the payment. This was my first time buying a home and Andrea made me feel safe and comfortable with my decision. She worked up multiple options based on my requests. A friend of mine, who is also a lender, suggested I looked at a zero down-payment option. After we received the appraisal that was not an option. Andrea took upon herself to contest the appraisal and was able to get it amended so I could consider that option as well. She spent countless hours addressing all my questions. I ultimately chose Andrea because she gave me a very competitive rate and went above and beyond to ensure I got the best mortgage for my needs. She cares, empathizes and holds herself accountable for all her promises. My closing costs ended up lower than what I initially signed. She took care of me, coordinated the entire process and ensured it was incredibly smooth. If you want to work with someone who is not only knowledgeable but will deliver what she promises (and even more than she promises), Andrea Cox is absolutely the person in Park City (or surrounding areas) to work with on your mortgage needs.

3 years ago
Park City customer
Park City, Utah

I would highly recommend Andrea Cox of 1st Rate Mortgage for all of your loan needs. Andrea helped me with my first mortgage and got me into my very first home. She went above and beyond in teaching me every step of the process along the way and caring about what was best for me and my situation. She kept me so informed, protected my money and had my back through the whole process. I fully trust her and would recommend her to all of my family and friends!

3 years ago
Megan Briley
Park City, UTah

Above and Beyond--Truly a Terrific Experience: I will readily admit that my first inclination was to work directly with a bank that I had worked with in the past on a mortgage loan for our new Park City home. We started down this path but changed direction when the first home my wife and I planned to purchase didn't work out. We had gone far enough with the bank lender as we moved forward on that first home that we knew exactly what to expect (the pros and all the cons). When we found the next home, we moved forward with Intermountain and Andrea Cox instead of the bank. We certainly were glad we did. Andrea coordinated the entire process and it was incredibly smooth. The rate was very good, and Andrea was able to get approval for our loan in record time and she got us to closing extraordinarily quickly. If you want to work with someone who will deliver what she promises (and even more than she promises), Andrea Cox is absolutely the person in Park City (or surrounding areas) to work with on your mortgage loan. We can't say enough good things about Andrea! Highly recommended! Thank you Andrea.

4 years ago
David Geffen
Park City, Utah

Andrea has been my go-to Loan Officer recently for her "can do" attitude and ability to get loans closed. In Park City we deal with a lot of high end buyers/borrowers who are used to high touch services in their financial worlds. Andrea excels at serving this clientele and has not disappointed. As a Real Estate Agent, I have a lot of moving pieces to manage and I choose to work with service providers who can perform and self-manage, so my time and efforts are not tied up making sure they get their jobs done. Andrea’s ability to do this, coupled with her consistent and thorough communication, make our transactions flow very efficiently.

4 years ago
Sean Railton
Park City