Your Mortgage.
Handled Right.
Erick Shank gives Utah homebuyers straight answers, competitive rates, and a closing that actually happens on time — no runaround, no surprises.
Loan Programs Built
Around You
Every borrower's situation is different. I match you with the program that actually fits your numbers, not the one that's easiest to sell.
Purchase Loans
From first offer to closing day, a clear plan and a rate locked in before you're competing for the house.
Refinancing
Lower your rate, shorten your term, or pull equity — with a straight breakdown of what you actually save.
FHA, VA & USDA Loans
Low-down-payment, veteran-backed, and rural development programs, handled by someone who knows the paperwork cold.
Jumbo Loans
Financing above conforming limits, structured to keep your rate and reserves in line.
First-Time Home Buyers
A plain-English walkthrough of every step, so nothing about closing catches you off guard.
Down Payment Assistance
Grant and second-lien programs that can lower or eliminate what you need to bring to closing.
Second Mortgages
A second lien behind your existing mortgage, structured to free up cash without touching your first rate.
HELOCs
A revolving line against your home's equity — draw what you need, when you need it, on your terms.
Hard Money Loans
Fast, asset-based financing for time-sensitive deals when speed matters more than a conventional timeline.
Bank Statement Loans
Qualify on real cash flow instead of tax returns — built for self-employed and 1099 borrowers.
Credit Repair Support
Straightforward guidance on strengthening your score so you qualify for a better rate and program.
Rate Strategy
Buydowns, locks, and timing advice geared to the market you're actually buying in — not last year's.
Four Steps.
No Guesswork.
The same sequence, every time — so you always know exactly what's next.
Apply
A short conversation and a document checklist — most applicants are done in under 20 minutes.
Get Approved
Full underwriting review with a real answer, not just a pre-qual guess.
Lock Your Rate
We lock at the right moment for your timeline, and you'll know exactly why.
Close
Final walkthrough of your numbers before you ever sit down at the table.
A local lender who
picks up the phone.
Financial professional with a wide variety of experience and expertise, ranging from an account executive, manager, supervisor, underwriter, senior loan officer, processor and originator.
Specialties: Account resolution, problem solving, and sales.
- Direct communication — call or text, no call centers.
- Rate transparency from application through closing.
- Programs matched to your goals, not a one-size quote.
What Borrowers
Are Saying
A few words from people who closed with Erick.
Erick was amazing to work with. He was thorough in helping us find a loan that was in our best interest and honest about the steps we needed to take to achieve our goal of purchasing our first home.
Erick has helped me purchase 2 homes. This guy knows his stuff — super attentive to detail, has the experience and knowledge to get you the best rate out there. Goes above and beyond to make sure you feel comfortable and well informed.
Erick was hands down the best lender I have ever worked with. He truly cares about his clients. Purchasing a home is one of the most stressful experiences and with him by your side you don't have to worry for a minute.
I was referred to Erick in a last-minute emergency after prior financing fell through. He worked extremely hard to get my mortgage approved and underwritten. I wouldn't be a home owner without his diligence.
Erick went above and beyond to help my family and I with our purchase of our home. Always knew the answers to any questions and was on top of everything. I would recommend him anytime.
Erick went above and beyond in assisting me with my loan. I am self-employed and he had solutions for several roadblocks that presented during the process. He is a great communicator and extremely responsive at any time of day or night.
Erick knows how to make the process easier for buyers to follow. Well facilitated all the communications among relevant parties. He is timely responsive and pretty much good at following up with clients.
I have to extend my gratitude to you Erick. You have helped me in making a great change in my life. Thanks so much for your guidance. I wish you the best.
It was a pleasure to work with Erick. He was fast and thorough. He quickly responded to emails, answered every phone call, and answered all of our questions along the way.
Erick Shank has helped us close multiple mortgages in the last 2 years. He is an excellent communicator and we would not hesitate referring anyone to him!
I had a lot going on with living in one state, and trying to buy a home, while I tried to sell a home in a different state. Erick worked with me and we got it all done nice and easy.
Erick did an amazing job helping us get into a home. He did a great job working with and finding us the best lender. Would highly recommend! If you are looking for someone to help you purchase a home, call Erick!
I was a mortgage loan officer for eight years so I know several people in the industry. When I decided to buy a new home Erick was the only mortgage professional I considered. He has a lot of experience and the loan went flawlessly.
Many different mortgage brokers told me that we did not qualify for a mortgage after financial mistakes in our past. After hearing our situation and what we wanted to achieve, Erick came up with a game plan to get it all done.
I had several different issues going on at the time of purchase. Erick worked his talents, time and knowledge extra hours to make this happen, and he did it! His patience with me was unbelievable. I highly recommend him.
Erick always was available and willing to walk us thru whatever issues came up during the loan process. He took the time to answer any and all questions and was wise enough to look for answers if he didn't have them.
As a self-employed small business owner, getting a mortgage isn't always a simple task. Erick went the extra mile, found us options, and worked around our situation to close on time. Highly recommend!
We had a unique home purchase situation that involved a legal dispute with the builder for over a year. Erick was extremely patient, thorough and consistent on his excellent customer service. He is top notch.
Erick was truly a miracle worker! We were just days out of a Chapter 13 discharge and he was still confident he could get us an FHA loan — and it closed at a rate even lower than a conventional loan.
I tried to refinance my custom-built home for over five years. A super jumbo loan acquired years ago was nearly 8% interest, and over a dozen lenders attempted to refinance it and failed. I was skeptical when I met Erick — he got it done.
I had a 1st and 2nd mortgage with high rates. Erick was able to find a lender that could combine the two at a much lower rate. There were a number of issues from my previous loans and Erick was able to get those corrected.
Erick helped me with much more than purchasing my house. Once he had all of my information, we came up with a game plan and within the same time frame he promised I was into my home! I would talk to Erick late at night, on the weekends — he answered.
Erick is amazing and super helpful! My situation is difficult as my work is on and off since I'm in the film industry. He made everything possible for my wife and I. We have been wanting to get in a house for a while — highly recommend Erick.
My client had a unique employment situation which 4 other lenders could not help with, but Erick got it done with ease. As a former underwriter, Erick was confident and knowledgeable and got it done for us in a very short time frame.
If I would have known how easy it would be to refinance my home I would have done it sooner. Erick told me what he needed and did all the work. All I had to do was send the documents and show up at the closing.
Erick made the process really easy. While other lenders are asking for repetitive paperwork, Erick only requested the necessary documents. He also kept an eye on interest rates and called me when they dropped to lock in.
Erick was wonderful to work with! He helped us refinance our home and consolidate debt. We have unusual circumstances and when other banks and credit unions would not help us achieve a refi, Erick made it happen quick and easy!
Erick is not only very easy to talk to but he has given me excellent advice on my refinance! Highly recommended and trust his advice. Whether you are purchasing or refinancing, Erick is the guy.
We started this process with quite a few obstacles and delays. Erick just dealt with them as quickly as he could and tried to keep me informed the whole way through.
Erick is one of the best loan officers I have ever worked with. He is very knowledgeable in the mortgage business and was able to answer my questions throughout the process of getting my mortgage loan.
Let's Get You
Pre-Approved.
Takes about 20 minutes. No obligation, no pressure — just a clear read on where you stand.
Talk to Erick Directly
Have a question before you apply, or want to talk through your options first? Reach out — every message gets a real reply, from Erick.