About me

Danielle Humpherys grew up in the beautiful mountain town of Heber City, Utah. She started at Guild Mortgage right out of college, after graduating from Utah State University with Bachelor’s degrees in International Business and Economics. She is currently in her 10th year in the mortgage industry. Helping first-time homebuyers and self-employed borrowers are her favorite, but she has extensive experience in all different loan products.

Danielle is the mom of 3 kids and enjoys splitting her time between chasing them around and being a loan officer. She also enjoys reading, soccer, and traveling. Trying new food, learning about other cultures, and meeting new people has led her to visit 17 countries and counting.

She is committed to helping her clients find the best loan to fit their needs. She loves all the options that are available at Guild and loves serving the Heber Valley and surrounding areas.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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NMLS ID #1000204

I am authorized to do business in the state of Utah.

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Danielle Humpherys

Loan Officer

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