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Guiding You Home.

Select from hundreds of loan products tailored to your needs.

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

Hi! I'm Lydia Bell, your dedicated Mortgage Loan Officer at Guild Mortgage, specializing in helping first-time homebuyers achieve their dream from Davis County to Utah County. Buying your first home is exciting, and I am here to make the financing part clear, confident, and stress-free. As a local expert, I understand the market nuances from Provo, through Salt Lake City, and up to Ogden, and the unique programs available to new homeowners in our community.

My primary focus is making the process simple and efficient. Beyond offering fast closings and being available nights and weekends, I specialize in programs perfect for new buyers, including:
-  FHA Loans for lower down payments.
-  Conventional 97 for excellent credit and minimal down payment.
-  VA Loans for our eligible service members and veterans.
-  Down Payment Assistance (DPA) programs specific to Utah.

When you work with me, you get a reliable partner who will simplify complex terms, explore all available assistance, and ensure you are pre-approved quickly. My goal is to get you the keys to your first home faster than you thought possible.

Working with Guild Mortgage gives you the advantage of a powerful, local lender known for superior service and streamlined underwriting. When I'm not securing the best rates for my clients, you can find me outdoors-walking, hiking Utah's beautiful trails with my dog, or cheering on my husband at his baseball games. Ready to take the first step toward homeownership? Let's connect!
Call or Text Me Today: [801-971-6557] | Click Here to Start Your Fast Pre-Approval!

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Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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

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

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

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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member of Guild Giving
NMLS ID #2726492
I am authorized to do business in the state of Utah.