
Utah Home Financing,
Guided by Four Decades of Trust.
Personalized mortgage guidance for first-time buyers, new construction, VA borrowers, and homeowners across the Wasatch Front — backed by 200+ five-star reviews and on-time closings.
Or call directly: 801-898-6784
Mortgage guidance built on experience, trust, and results.
With 41 years in the mortgage industry, Marylee Gilchrist has become a trusted resource for homebuyers and homeowners throughout Salt Lake City and the surrounding Utah communities. Her approach is personal, educational, and relationship-driven, helping clients make informed financing decisions with confidence rather than confusion.
Whether you're purchasing your first home, exploring VA loan options, refinancing, financing new construction, or building your dream home from the ground up, Marylee provides the expertise and attention to detail that only decades of experience can deliver. Backed by CrossCountry Mortgage and supported by more than 200 five-star reviews, she remains committed to guiding every client from application to closing with professionalism, transparency, and care.

One trusted advisor. A full team behind every file.
Marylee leads every client relationship personally — but she's never doing it alone. A dedicated team of processors, transaction coordinators, and client-care specialists works behind the scenes on every loan, so you get four decades of expertise plus the responsiveness of a full team from application to closing.
Local expertise, the right loan, every time.

Salt Lake City
From the historic Avenues to Sugar House and downtown, financing tailored to the neighborhoods that define Utah's capital.
Explore Salt Lake City →
Layton
Davis County's family-friendly hub — strong schools, easy I-15 access, and broad housing inventory for growing households.
Explore Layton →
Wasatch County
Heber Valley, Midway, and Park City-adjacent mountain living. Specialized financing for primary, second, and luxury homes.
Explore Wasatch County →
Loan Options
Conventional, FHA, jumbo, USDA, renovation, and portfolio products — matched to your timeline, credit profile, and goals.
Explore Loan Options →
First-Time Homebuyer Loans
Down payment assistance, Utah Housing programs, and patient education so first-time buyers close with confidence.
Explore First-Time Homebuyer Loans →
VA Loans
Zero down, no PMI, and competitive rates for active-duty service members, veterans, and qualifying spouses across Utah.
Explore VA Loans →Two hundred five-star reviews. One reason: results.
"I have had the pleasure of working with this lender for many years, and I can confidently say she is one of the most dedicated and hardworking professionals in the industry. With over 30 years of experience, her knowledge and expertise are unmatched. What sets her apart is not only her ability to get loans closed when other lenders couldn't, but also the genuine care she shows for both her clients and her employees. As a Realtor, I never had to worry when I entrusted a transaction to her because I knew she would communicate honestly, work tirelessly, and do everything possible to ensure a successful outcome. Her integrity, professionalism, and commitment to helping others are truly admirable. She consistently goes above and beyond, treating every client with respect and compassion while maintaining the highest standards of service. I have always admired her incredible work ethic and dedication to her craft. If you're looking for a lender who is knowledgeable, trustworthy, caring, and willing to go the extra mile, I highly recommend her."
"Special thanks and a job well done to Marylee Gilchrist, Maddie Hall and everyone on the team at this Cross Country Mortgage location. We recently worked on a transaction together that involved a first-time home buyer purchasing a new construction home. From the time Marylee and Maddie got involved to the time this client became a homeowner was nearly 18 months. Their persistence, communication, expertise and knowledge made this dream a reality for our client. It was such an awesome moment to celebrate and it couldn't have been done without them. I highly recommend this incredible team and will work with them again in the future!"
"We had a really great experience working with your team. I am a first-time home buyer and new to the US, hence I had lots of questions. Your team, both Maddie and Jessica, were super patient and very quick to reply. Always solving my problems very smoothly and made me feel very comfortable. They gave me really good deals and advised me for my benefit. I am very happy that I chose to work with you. And I am definitely going to recommend all my friends."
"I've used a number of lenders in the past. This team by far is the best. Erin, Heather and the rest of Marylee's team were fast, efficient, knowledgeable, and when I say that, I mean they are the only ones who knew how to work a VA loan and made it effortless on my part. This is one team I plan on recommending to everyone. Thank you guys! It was an awesome experience. Keep up the great work."
"AMAZING SERVICE! Marylee, Maddie and Jessica have been incredible to work with over the years. They have helped me with numerous loans. I strongly recommend Marylee and her team when searching for the best lending services in Utah."
"I have to say my experience with Team Marylee has been amazing! First I went to a credit union to help with my home purchase and they made me feel like a criminal. I did everything that was asked, got my pre-approval, but when it was time to move forward the credit union told me I didn't qualify because the interest rate had slightly increased. I was furious! I was referred to Marylee and the experience was night and day. She and her team are punctual, easy to work with, and they do what they promise. I had a smooth and easy process and I can't even think of one thing that could be improved. Because my experience was so top notch, my son used her for his first home purchase and was treated with the same care. She will be your advocate and I highly recommend her. As long as she is in business, she is my only option for mortgage and refi needs. Thanks Team Marylee!"
Estimate your monthly payment.
- Loan Amount
- $440,000
- Down Payment
- $110,000 (20%)
- Term
- 30 years
- Rate
- 6.75%
Estimates only. Taxes, insurance, HOA, and PMI are not included. Contact Marylee for exact figures and a personalized quote.
Ready to start your Utah home financing conversation?
Whether you're pre-approval shopping, refinancing, or building from the ground up — Marylee will walk you through your options personally.
