One advisor across real estate, mortgage, and investment strategy — for buyers, sellers, and investors across the Wasatch Front.
Your Home. Your Timeline. Your Terms.
Local guidance from first showing to closing day — for buyers, sellers, and first-time homeowners across the Wasatch Front.
Home purchase loans, refinance, down payment assistance, and investor financing — with a licensed MLO who knows both sides of the transaction.
Acquisitions, owner-user strategy, disposition, and commercial financing across the Wasatch Front.
Flips, rentals, acquisitions, and deal analysis — from your first investment property to a growing portfolio.
Equal Housing Opportunity
we help?
One Advisor.
Every Stage.
Most real estate transactions involve multiple professionals who don't talk to each other. At Wasatch Equity Group, the property search, financing strategy, and investment analysis happen together — so nothing falls through the gaps between advisors.
MEET JUSTIN-
01
Identify the Property or Opportunity
Search, evaluate, and qualify properties — residential purchases, investment acquisitions, or commercial needs.
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02
Evaluate the Numbers and Risks
Deal analysis, pricing review, and risk assessment before any offer is written or commitment is made.
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03
Structure Appropriate Financing
Match the financing type to the deal — conventional, investor, non-QM, hard money, or commercial — with an MLO who understands both sides.
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04
Negotiate and Execute the Transaction
Representation through offer, inspection, appraisal, and closing — with financing and property knowledge in the same conversation.
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05
Plan the Next Portfolio Step
After closing isn't the end. Refinance, reinvest, or plan the next acquisition — with context from the deal you just closed.
Utah Roots.
Real Perspective.
Justin Montoya built Wasatch Equity Group on a simple idea: that a Utah buyer, seller, borrower, or investor deserves one advisor who understands the full picture — not a referral chain of specialists who've never met each other.
His perspective on real estate is personal. In 2008, Justin navigated a foreclosure firsthand. That experience — and what it cost him — shaped how he works with clients facing difficult situations today. No judgment. No pressure. Just a clear look at the options and what each one actually means.
Licensed as both a Utah real estate agent and a mortgage loan originator, Justin works across residential sales, investment property, and commercial real estate. He also founded Utah Revenue Radar, a revenue consulting service that audits local Utah businesses for hidden profit leaks and growth opportunities.
"Thank you for stopping by today! I'm a Utah native, and I'm grateful to be from such a unique and beautiful place. My happy place is spending time with my wife and daughters — now grown up — and getting out into the nature scenery around us, like the view above Sundance you see here. Helping people find their own home is one of the most fulfilling experiences I've had, and I hope we can meet to talk through your dreams." — Justin
Real Results, Real People
When the first agents we spoke with said we would have to come out of pocket to sell our older, complicated first home, Justin used creative strategies and his vast network to drive competitive bids. We ended up clearing over $20k more than other agents said we would. His patience was incredible as we then searched from Tooele to Salt Lake to Ogden. When our inspection uncovered concerning matters, his expert negotiation got the sellers to fix far more than they initially wanted, ensuring we felt completely comfortable.
When our purchase hit a major roadblock with a delayed VA appraisal that threatened the deal, Justin worked directly with our lender to secure down payment assistance and an amazing rate. Every time a challenge came up, Justin was up to it. We have found our real estate agent for life.
Tooele County, Cache County & Utah CountyMarkets Served
Resources & Guides
Straightforward information on buying, selling, financing, and investing — no pressure, no jargon.
What to expect from offer to closing, how to get financing-ready before you start your search, and what questions to ask along the way.
Read the guide →ARV, rehab costs, carry costs, and exit assumptions — a practical framework for analyzing your first or next investment deal before you make an offer.
Read the guide →When buying your commercial space makes financial sense — and when staying flexible is the smarter move. A straightforward look at the decision most business owners put off too long.
Read the guide →Why pre-approval changes your negotiating position, how it differs from pre-qualification, and what to expect from the process — whether you're buying your first home or your fifth.
Read the guide →How Can We Help?
Tell us what you're working on and we'll point you to the right path — no commitment, no pressure.
Not sure where to start? Call or text 385-264-6766 — we'll figure it out together.
What are you trying to
accomplish with real estate?
Whether you're buying a first home, evaluating an investment, or figuring out a difficult situation — the starting point is a conversation, not a commitment.
No pressure. No obligation. Just a direct conversation about where you are and what makes sense next.
Or call/text directly: 385-264-6766