Loan programs · Utah
Down payment assistance loan officers in Utah
As of 2026-10-09, LenDb lists 49 loan officers licensed in or based in Utah whose lender pages show Down payment assistance work. The top-ranked are Kris James (Intercap Lending, Cottonwood Heights), Rachelle Coffey (Homeowners Financial Group, Scottsdale) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in UT, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Kris JamesNMLS 900967
Intercap Lending · Cottonwood Heights, UT
- Down payment assistance
- Bank statement loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 13 years experience (stated on lender page, 2026-10-09)
- 2
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 27 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 4
Trudi HatchNMLS 139284
Guild Mortgage · Tremonton, UT · licensed in 3 states
- Down payment assistance
- New construction
- FHA loan
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 27 years experience (stated on lender page, 2026-10-09)
- 5
Brad MabeyNMLS 262718
Guild Mortgage · Spanish Fork, UT · licensed in 5 states
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 20 years experience (stated on lender page, 2026-10-09)
- 6
Aaron MorganNMLS 299480
Guild Mortgage · Draper, UT
- Down payment assistance
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 20 years experience (stated on lender page, 2026-10-09)
- 7
Corey MerrillNMLS 748082
Intercap Lending · Pleasant Grove, UT
- Down payment assistance
- Bank statement loan
- FHA loan
- Non-QM loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- No disciplinary actions on file at LenDb
- 8
Ashlee ShipleyNMLS 1280022
Fairway Independent Mortgage Corporation · Salt Lake City, UT · licensed in 4 states
- Down payment assistance
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- No disciplinary actions on file at LenDb
- 9
AJ MolinaNMLS 1660792
Intercap Lending · St. George, UT · licensed in 3 states
- Down payment assistance
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- No disciplinary actions on file at LenDb
- 10
Bailee BeckNMLS 2675681
Intercap Lending · Pleasant Grove, UT
- Down payment assistance
- Bank statement loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- No disciplinary actions on file at LenDb
- 11
Lydia BellNMLS 2726492
Guild Mortgage · Midvale, UT
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- No disciplinary actions on file at LenDb
- 12
Brent RoseNMLS 308611
Intercap Lending · Pleasant Grove, UT · licensed in 4 states
- Down payment assistance
- Bank statement loan
- Jumbo loan
- Non-QM loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 14 years licensed
- 13
Scott BuehlerNMLS 1794818
Guild Mortgage · St. George, UT · licensed in 5 states
- Down payment assistance
- Bank statement loan
- New construction
- Self-employed
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- No disciplinary actions on file at LenDb
- 14
Camille OlsonNMLS 474281
Barrett Financial Group · Chandler, AZ · licensed in 11 states
- Down payment assistance
- First-time buyer
- VA loan
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 15
Matt BarrettNMLS 258528
Intercap Lending · Cottonwood Heights, UT · licensed in 19 states
- Down payment assistance
- FHA loan
- Real estate investor
- USDA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 6 years licensed
- 16
Kate HanksNMLS 761975
Barrett Financial Group · Chandler, AZ · licensed in 2 states
- Down payment assistance
- FHA loan
- Jumbo loan
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 17
Erin HendricksNMLS 90634
Intercap Lending · Pleasant Grove, UT · licensed in 22 states
- Down payment assistance
- FHA loan
- First-time buyer
- New construction
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 5 years licensed
- 18
Ellie NelsonNMLS 1419225
Barrett Financial Group · Las Vegas, NV · licensed in 8 states
- Down payment assistance
- Construction loan
- First-time buyer
- Bank statement loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 19
Hope OrtonNMLS 260618
Intercap Lending · St. George, UT · licensed in 8 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Bank statement loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 4 years licensed
- 20
Israel SanchezNMLS 2181978
Loan Factory · licensed in 5 states
- Down payment assistance
- Real estate investor
- Self-employed
- Low credit score
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Edwin SantiagoNMLS 133618
Fairway Independent Mortgage Corporation · Wayne, PA · licensed in 17 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 22
Dave YoungNMLS 222107
Guild Mortgage · Midvale, UT · licensed in 3 states
- Down payment assistance
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 5 years licensed
- 23
Brett MillsNMLS 11431
Guild Mortgage · Clearfield, UT · licensed in 7 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Reverse mortgage
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 1 years licensed
- 24
Pete JacobNMLS 305284
Guild Mortgage · Midvale, UT · licensed in 4 states
- Down payment assistance
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- No disciplinary actions on file at LenDb
- 25
Jim WilsonNMLS 404690
Guild Mortgage · South Ogden, UT · licensed in 3 states
- Down payment assistance
- Jumbo loan
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- No disciplinary actions on file at LenDb
Before you choose
Programs are local, change often, and need the lender to be approved with the housing agency that runs them.
- Which down payment assistance programs are you approved for here?
- Is the assistance a grant, a forgivable loan, or a repayable second?
- Are there income, purchase price or first-time buyer limits?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in UT or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=down-payment-assistance&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.