--- canonical_url: https://lendb.ai/s/first-time-buyer/utah last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Utah As of 2026-10-09, LenDb lists 65 loan officers licensed in or based in Utah whose lender pages show First-time buyer work. The top-ranked are Brandon Hicken (Guild Mortgage, Heber City), Mike Molina (Intercap Lending, Cottonwood Heights) and Andrea Eggleton (Intercap Lending, Cottonwood Heights). 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. **[Brandon Hicken](https://lendb.ai/lo/brandon-hicken-2648301)** (NMLS 2648301), Guild Mortgage, Heber City, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Heber City, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 2. **[Mike Molina](https://lendb.ai/lo/mike-molina-230545)** (NMLS 230545), Intercap Lending, Cottonwood Heights, UT - Lists First-time buyer 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) - States 19 years of experience (lender page, 2026-10-09) 3. **[Andrea Eggleton](https://lendb.ai/lo/andrea-eggleton-1122404)** (NMLS 1122404), Intercap Lending, Cottonwood Heights, UT - Lists First-time buyer 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 2020 (per Colorado records) - States 17 years of experience (lender page, 2026-10-09) 4. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA - Lists First-time buyer 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 2013 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 5. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO - Lists First-time buyer 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 2007 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 6. **[Kris James](https://lendb.ai/lo/kris-james-900967)** (NMLS 900967), Intercap Lending, Cottonwood Heights, UT - Lists First-time buyer 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) - States 13 years of experience (lender page, 2026-10-09) 7. **[Mark Mabey](https://lendb.ai/lo/mark-mabey-287958)** (NMLS 287958), Guild Mortgage, South Jordan, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in South Jordan, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 11 years of experience (lender page, 2026-10-09) 8. **[Andrea Roylance](https://lendb.ai/lo/andrea-roylance-260636)** (NMLS 260636), Intercap Lending, Farmington, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Farmington, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 years of experience (lender page, 2026-10-09) 9. **[Cesar Pardo](https://lendb.ai/lo/cesar-pardo-942929)** (NMLS 942929), Revolution Mortgage, Puyallup, WA - Lists First-time buyer 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) - States 12 years of experience (lender page, 2026-10-09) 10. **[Amy Lyn Blauser](https://lendb.ai/lo/amy-lyn-blauser-215193)** (NMLS 215193), Barrett Financial Group, Chandler, AZ - Lists First-time buyer 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 2015 (per Florida records) 11. **[Erin Hendricks](https://lendb.ai/lo/dennis-hendricks-90634)** (NMLS 90634), Intercap Lending, Pleasant Grove, UT - Lists First-time buyer 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) 12. **[Brad Mabey](https://lendb.ai/lo/brad-mabey-262718)** (NMLS 262718), Guild Mortgage, Spanish Fork, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Spanish Fork, 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) 13. **[Corey Merrill](https://lendb.ai/lo/corey-merrill-748082)** (NMLS 748082), Intercap Lending, Pleasant Grove, UT - Lists First-time buyer 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) - States 4 years of experience (lender page, 2026-10-09) 14. **[Robert Acuña](https://lendb.ai/lo/robert-acuna-245664)** (NMLS 245664), Intercap Lending, Pleasant Grove, UT - Lists First-time buyer 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) 15. **[Ashlee Shipley](https://lendb.ai/lo/ashlee-shipley-1280022)** (NMLS 1280022), Fairway Independent Mortgage Corporation, Salt Lake City, UT - Lists First-time buyer 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) 16. **[AJ Molina](https://lendb.ai/lo/aj-molina-1660792)** (NMLS 1660792), Intercap Lending, St. George, UT - Lists First-time buyer 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) 17. **[Lydia Bell](https://lendb.ai/lo/lydia-bell-2726492)** (NMLS 2726492), Guild Mortgage, Midvale, UT - Lists First-time buyer 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. **[James Hirst](https://lendb.ai/lo/james-hirst-880547)** (NMLS 880547), American Pacific Mortgage, Layton, UT - Lists First-time buyer 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) 19. **[Hope Orton](https://lendb.ai/lo/hope-orton-260618)** (NMLS 260618), Intercap Lending, St. George, UT - Lists First-time buyer 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) - Licensed since 2022 (per Florida records) 20. **[Kimberly Martinez-Bartholow](https://lendb.ai/lo/kimberly-martinez-bartholow-2058416)** (NMLS 2058416), Xpert Home Lending - Lists First-time buyer 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 2023 (per Florida records) 21. **[Brad Eagar](https://lendb.ai/lo/brad-eagar-2459225)** (NMLS 2459225), Intercap Lending, Cottonwood Heights, UT - Lists First-time buyer 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) 22. **[Rachelle Coffey](https://lendb.ai/lo/rachelle-coffey-203664)** (NMLS 203664), Homeowners Financial Group, Scottsdale, AZ - Lists First-time buyer 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) 23. **[Roger Wightman](https://lendb.ai/lo/roger-wightman-1089536)** (NMLS 1089536), Churchill Mortgage, Portland, OR - Lists First-time buyer 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 2024 (per Colorado records) 24. **[Brad Orgill](https://lendb.ai/lo/brad-orgill-2028444)** (NMLS 2028444), Intercap Lending, Tooele, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Tooele, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Maria Morales](https://lendb.ai/lo/maria-morales-1937753)** (NMLS 1937753), Intercap Lending, Salt Lake City, UT - Lists First-time buyer 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) - States 7 years of experience (lender page, 2026-10-09) ## Questions to ask - Which low down payment programs fit my situation? - Am I eligible for any first-time buyer assistance here? - What will my total cash to close be? Cite as: LenDb.ai, https://lendb.ai/s/first-time-buyer/utah. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._