"We are most interested in finding the right loan to fit your needs and I have access to the best mortgage programs and rates in the Industry."
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For Purcharse or Refinance Loan


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I am here to assist you. Feel free to contact with any fiinancial questions.


512 E Winchester Street

Murray, UT 84107

Russ Cottam

Mortgage Professional

Welcome to my website! I know that each client has unique needs and goals, so I strive to meet those specific needs with a wide array of mortgage products and investment tools. Best of all, I can provide best-in-class customer service and individual attention.

I pride myself on not only having great rates and a full spectrum of mortgage products.  By effectively communicating your options and the progress of your loan, you will have less stress and a great experience while I serve you.

Because every client likes to work in different ways, I offer you the option of working with us in-person, over the phone, or via email and fax.

Today’s technology is providing a more efficient work environment. For example, through my website you can submit a complete on-line, secure loan application to start the qualification process. You may also evaluate your different financing options by using interactive calculators and going over various mortgage scenarios.

Feel free to browse around my site, learn more about the world that we enjoy working in every day, and I’ll be here to answer your questions and start the process of getting you the best mortgage for your needs when you’re ready!


Buying a home is one of the largest purchases you will ever make. It is important to trust your lender to not only provide competitive rates but also provide you the correct advise and guidance for a smooth and timely loan closing.

There are many loan programs that you can chose from depending on your down payment desires and abilities.

We can also help with investment property purchases up to 4-units. Down payment and reserve requirements are higher depending on the number of units the property has the number properties owned.


Possible Benefits of Refinancing

•  Keep your payments stable with a

    fixed-rate loan

•  Lower your interest rate

•  Get cash out from your home’s equity

•  Consolidate debt


Refinancing your mortgage could let you lower your monthly payment, reduce your interest expense or get a loan with a fixed interest rate and payment. If you’ve been waiting to take advantage of those opportunities because you feel uncertain about the process to refinance, we have specific steps to help you along the way.


The most important thing you can do is make sure you pay your bills on time. Your creditors usually will report a late on your credit if your payment is not received before 30 days after the due date.

Utilities, rent, medical bills and insurance do not typically report monthly on your credit. They only time they will report on credit is if you are very delinquent and they send your account to collections or get a court judgment.

Make sure you stay on top of car payments and credit card payments and of course your mortgage first.


NMLS# 149728  I   Co. NMLS# 3138

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Christian Roberts Mortgage (CRM), and its loan officers, are not liable for information, claims or agreements made by/between the public and third-party entities. These third-party entities may include, but are not limited to: builders, developers, or real estate agents. Even though the loan officer co-sponsoring this site makes efforts to update the information contained, much of it is provided by independent vendors and data feeds, and thus, this site may contain errors, outdated information or purchase conditions, promotions, incentives and/or possible omissions. CRM cannot guarantee the accuracy of information provided, and we encourage buyers to complete their own due diligence in making a decision to build or purchase a home. We also suggest that you seek the professional representation/advice of a licensed Realtor®, as well as any other licensed professional that is appropriate to your purchase decision, including, but not limited to: attorney, accountant, or certified financial planner. Visitors to this site are responsible for the use and decisions made regarding the purchase of a home with regards to the information contained herein.CRM is an Equal Housing Lender.

Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. Christian Roberts Mortgage. is an Equal Opportunity Lender.