--- canonical_url: https://lendb.ai/s/down-payment-assistance/utah last_verified: 2026-10-09 --- # Down payment assistance loan officers in Utah As of 2026-10-09, LenDb lists 23 loan officers licensed in or based in Utah whose lender pages show Down payment assistance work. The top-ranked are Erin Hendricks (Intercap Lending, Pleasant Grove), Camille Olson (Barrett Financial Group, Chandler) and Ashlee Shipley (Fairway Independent Mortgage Corporation, Salt Lake City). Ranking is lender-neutral: specialty evidence first, then a license in UT, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Erin Hendricks](https://lendb.ai/lo/dennis-hendricks-90634)** (NMLS 90634), Intercap Lending, Pleasant Grove, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Pleasant Grove, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 3. **[Ashlee Shipley](https://lendb.ai/lo/ashlee-shipley-1280022)** (NMLS 1280022), Fairway Independent Mortgage Corporation, Salt Lake City, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Salt Lake City, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 4. **[AJ Molina](https://lendb.ai/lo/aj-molina-1660792)** (NMLS 1660792), Intercap Lending, St. George, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in St. George, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 5. **[Lydia Bell](https://lendb.ai/lo/lydia-bell-2726492)** (NMLS 2726492), Guild Mortgage, Midvale, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Midvale, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 6. **[Greg Potter](https://lendb.ai/lo/greg-potter-420791)** (NMLS 420791), JPMorgan Chase Bank (Chase Home Lending), Cedar Hills, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Cedar Hills, UT - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2023 (per Florida records) 7. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Kody Condie](https://lendb.ai/lo/kody-condie-1742865)** (NMLS 1742865), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Cottonwood Heights, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Colorado records) 9. **[Israel Sanchez](https://lendb.ai/lo/israel-sanchez-2181978)** (NMLS 2181978), Loan Factory - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 11. **[Andy Key](https://lendb.ai/lo/andy-key-195274)** (NMLS 195274), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Cottonwood Heights, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[Rachelle Coffey](https://lendb.ai/lo/rachelle-coffey-203664)** (NMLS 203664), Homeowners Financial Group, Scottsdale, AZ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Aaron Morgan](https://lendb.ai/lo/aaron-morgan-299480)** (NMLS 299480), Guild Mortgage, Draper, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Draper, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 14. **[Dave Young](https://lendb.ai/lo/david-young-222107)** (NMLS 222107), Guild Mortgage, Midvale, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Midvale, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 15. **[Brett Mills](https://lendb.ai/lo/brett-mills-11431)** (NMLS 11431), Guild Mortgage, Clearfield, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Clearfield, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 16. **[Teyona Stewart](https://lendb.ai/lo/teyona-stewart-2215853)** (NMLS 2215853), First Citizens Bank, La Jolla, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Pete Jacob](https://lendb.ai/lo/pete-jacob-305284)** (NMLS 305284), Guild Mortgage, Midvale, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Midvale, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Jim Wilson](https://lendb.ai/lo/jim-wilson-404690)** (NMLS 404690), Guild Mortgage, South Ogden, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in South Ogden, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Matt Sjogren](https://lendb.ai/lo/matt-sjogren-1283717)** (NMLS 1283717), Guild Mortgage, Draper, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Draper, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Zachary Hayes](https://lendb.ai/lo/zachary-hayes-1501687)** (NMLS 1501687), Guild Mortgage, Layton, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Layton, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Christian Bingham](https://lendb.ai/lo/christian-bingham-2040076)** (NMLS 2040076), Guild Mortgage, Clearfield, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Clearfield, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Sheldon Worthington](https://lendb.ai/lo/sheldon-worthington-826948)** (NMLS 826948), Guild Mortgage, Draper, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Draper, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Chris Rowe](https://lendb.ai/lo/chris-rowe-1494973)** (NMLS 1494973), Guild Mortgage, Layton, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Layton, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/down-payment-assistance/utah. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._