Debbie Hartman

Senior Loan Officer

NMLS# 64281

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

(435) 632-0247

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Building trust, one borrower at a time.

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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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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%.

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.

Reverse Mortgage loan

If you're retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

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