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Debbie Hartman

Debbie Hartman

Senior Loan Officer

1224 S. River Rd., Suite A102, St George, UT 84790
Own what matters
Own what matters

About Me

I have been a mortgage loan officer since 2003.  With my years of experience, I can help you if you are buying a home, refinancing your current mortgage, obtaining a reverse mortgage or wanting to build a home.  My years of dedication in the industry have provided me with knowledge with all loan types and I take great care in finding the best fit for clients based on listening and consulting about their needs and goals.  I understand this is one of the biggest purchases someone can make and the trust, along with service is of utmost importance.  I have built my reputation by exceeding homeowner’s expectations.  I know it isn’t just a house we are financing…It is your HOME!    

I am passionate about what I do and going the extra mile to make sure every loan closes with a Happy Homeowner.  I look forward to helping you with your mortgage questions, whether you are ready for a loan or not.  I am here to help you put a plan in place for your future home or if you are ready to get pre-approved to go home shopping!

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Meet my team

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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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Testimonials

Testimonials
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Taylor
May 28, 2024
Verified

Debbie was always available to answer my questions. She was quick to respond with information.
Kevin
Apr 22, 2024
Verified

It’s the people who work here and the people who manage it. It starts at the top and at the top there is care and kindness and the feeling your third family and it makes you want to be there family. If I were to be asked what is your vision of buying a home start to finish and what does that look like at it very best . I would say Guild Mortgage and the team that works there is all I need to say. You can’t get better than the best. You all are the very very best there is . Thank you for what you do and the passion you have for this profession . You are sure true professionals .
Marlana
Apr 01, 2024
Verified

I highly recommend Debbie and her team. Professional, efficient, excellent client service and caring.
Cindy
Mar 18, 2024
Verified

Debbie and her team were wonderful to work with! She had a vast knowledge of lending options and was quick to answer both mine and my client's questions, always in a timely manner. She was kind throughout the entire transaction and we were even able to close a couple of days early. I will very happily refer her in the future!
Judy
Mar 18, 2024
Verified

Debbie is so knowledgeable and always so helpful to my buyers.
Michael
Mar 18, 2024
Verified

Willing to go the extra mile

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NMLS ID #64281
I am authorized to do business in the states of Idaho and Utah.