# Sharla Ellis

> Boutique, high-touch mortgage origination team in Salt Lake City / Sugar House, Utah, led by Sharla Jolley Ellis and operating under Fairway Independent Mortgage. Focuses on purchase, refinance and construction lending with an education-first approach.

high-touch mortgage origination, fast turn-times, educational media & events, top client-satisfaction, referral-focused, first-time & mid-market buyers, Realtor/builder partnerships

## Agent Bios

- [Rachael Carter Mortgage Specialist in Salt Lake City - Discover Your Options | Salt Lake City Real Estate Experts](https://sharlaellis.com/agent/rachael-carter): Salt Lake City mortgage specialist profile for Rachael Carter with Fairway Independent Mortgage Corp. contact details and a Utah family-farm bio.
- [Stefani Alfaro: Your Salt Lake City Mortgage Assistant | Salt Lake City Real Estate Experts](https://sharlaellis.com/agent/stefani-alfaro): Directory profile for Stefani Alfaro, a Salt Lake City mortgage assistant on Sharla Ellis's team.
- [Sharla Jolley Ellis: Premier Mortgage Lender in Salt Lake City | Salt Lake City Real Estate Experts](https://sharlaellis.com/agent/sharla-jolley-ellis): Salt Lake City mortgage strategist Sharla Jolley Ellis presents her background, client-service philosophy, and speaker-and-coach profile.
- [Alisha Mace: Premier Mortgage Specialist in Salt Lake City | Salt Lake City Real Estate Experts](https://sharlaellis.com/agent/alisha-mace): Directory profile for Alisha Mace, a Salt Lake City mortgage specialist with The Sharla Ellis Dream Team.
- [Salt Lake City Mortgage Expert | Start With Sharla | Salt Lake City Real Estate Experts](https://sharlaellis.com/agent/sharla-ellis): Profile of Sharla Ellis, a Salt Lake City mortgage strategist, speaker, coach, and Fairway Home Mortgage professional.
- [Courtney Koncar: Premier Real Estate Agent in Salt Lake City | Salt Lake City Real Estate Experts](https://sharlaellis.com/agent/courtney-koncar): Salt Lake City agent profile for Courtney Koncar, highlighting her Utah roots and real estate and mortgage experience.

## Tools

- [Explore Mortgage Calculators - Optimize Your Loan Today](https://sharlaellis.com/mortgage-calculators): Sharla Ellis lists mortgage calculators for amortization, rent-versus-own, debt consolidation, prepayment savings, early payoff, and APR.

## Testimonials

- [Testimonials | The Sharla Ellis Dream Team | Utah's Premier Mortgage Lender](https://sharlaellis.com/testimonials): Testimonials page for Sharla Ellis' mortgage team, highlighting personalized service, fast turn times, and client loyalty.

## Core Pages

- [Sharla Ellis Utah Licensed Mortgage Lender, Top Rated](https://sharlaellis.com/): Salt Lake City mortgage lender profile for Sharla Jolley Ellis, highlighting her lending, coaching, and team services.

## Other Pages

- [Five Percent Down Home Loans in Salt Lake County, UT](https://sharlaellis.com/loan-programs-5-percent-down-home-loans-salt-lake-county): A Salt Lake County mortgage page explaining five percent down home loans for buyers seeking townhomes, single-family homes, and condos.
- [Meet Our Team | The Sharla Ellis Dream Team | Utah's Premier Mortgage Lender](https://sharlaellis.com/team): Mortgage team profile for Sharla Ellis and staff at Fairway Independent Mortgage Corp. in Salt Lake City.
- [2023 kick off](https://sharlaellis.com/2023-Rise-Up): Event page promoting a free 2023 kickoff for real estate agents and referral partners, featuring Sharla Ellis and guest speakers Todd Duncan, Amberley Snyder, and Louise Thaxton.
- [404 Page Not Found | The Sharla Ellis Dream Team | Utah's Premier Mortgage Lender](https://sharlaellis.com/404): A Sharla Ellis 404 page that routes visitors to contact details and mortgage-advisor messaging.
- [Ten Percent Down Jumbo Home Loans in Salt Lake County, UT](https://sharlaellis.com/loan-programs-10-percent-down-jumbo-home-loans-salt-lake-county): Salt Lake County guide to 10% down jumbo home loans for luxury buyers in Cottonwood Heights, Draper, and Holladay.
- [The 80/20 Rule of Refinancing](https://sharlaellis.com/refinance-80-20-rule): A Salt Lake County mortgage guide explains how the 80/20 rule affects refinancing, piggyback loans, and PMI removal.
- [Refinance Guides for Salt Lake County](https://sharlaellis.com/refinance-guides-salt-lake-county): Salt Lake County refinance guide directory from Sharla Ellis covering closing costs, rate-drop thresholds, and common refinancing rules.
- [American Dream TV | The Sharla Ellis Dream Team](https://sharlaellis.com/american-dream-tv): Sharla Ellis's page introduces her role as a Salt Lake City host of American Dream TV and her segment, Financing the American Dream.
- [VA Financing | The Sharla Ellis Dream Team | Utah's Premier Mortgage Lender](https://sharlaellis.com/va-financing): Directory entry for Sharla Ellis's VA financing page with VA loan promotion and contact details.
- [Buying a Home | The Sharla Ellis Dream Team | Utah's Premier Mortgage Lender](https://sharlaellis.com/buying-home): Sharla Ellis presents a homebuyer-focused mortgage page with loan guidance, personalized service, and contact options.
- [Twenty Percent Down Home Loans in Salt Lake County, UT](https://sharlaellis.com/loan-programs-20-percent-down-home-loans-salt-lake-county): Directory listing for Sharla Ellis's Salt Lake County 20% down home loan program focused on PMI-free approvals and local offer strategy.
- [10% Down Home Loans in Salt Lake County, UT](https://sharlaellis.com/loan-programs-10-percent-down-home-loans-salt-lake-county): Salt Lake County mortgage listing for Sharla Ellis's 10% down home loans, with buyer scenarios, local market notes, and application guidance.
- [20%t Down Jumbo Home Loans in Salt Lake County, UT](https://sharlaellis.com/loan-programs-20-percent-down-jumbo-home-loans-salt-lake-county): A Salt Lake County guide to 20% down jumbo home loans, PMI-free financing, and local underwriting considerations for luxury buyers.
- [3% Down Home Loans in Salt Lake County](https://sharlaellis.com/loan-programs-3-percent-down-home-loans-salt-lake-county): A Salt Lake County mortgage guide to three percent down conventional loans, local assistance options, and offer strategy for buyers.
- [Video Gallery | The Sharla Ellis Dream Team](https://sharlaellis.com/video-gallery): A mortgage lender's video gallery offers homebuyer education clips and lunch-and-learn recordings.
- [Is It Worth Refinancing for a 1% Rate Drop?](https://sharlaellis.com/refinance-one-percent-rate-drop): A Salt Lake County mortgage guide explains when refinancing for a 1% rate drop may pay off.
- [contact-us | Utah's Premier Mortgage Lender](https://sharlaellis.com/contact-us): Contact details and message form for Sharla Ellis, a Fairway Independent Mortgage Corp. representative in Salt Lake City.
- [VA Home Loans in Salt Lake County](https://sharlaellis.com/loan-programs-va-home-loans-salt-lake-county): Directory listing for Sharla Ellis's Salt Lake County VA home loan guidance for military borrowers.
- [Refinancing Closing Costs in Salt Lake County](https://sharlaellis.com/refinance-closing-costs-salt-lake): Salt Lake County refinance closing-cost guide explaining fees, lender credits, and no-cost myths.
- [Copy of Testimonials | The Sharla Ellis Dream Team | Utah's Premier Mortgage Lender](https://sharlaellis.com/copy-of-testimonials): Testimonials page for Sharla Ellis' mortgage lending services, featuring client feedback on communication, quick closings, and first-home guidance.
- [Privacy Policy | The Sharla Ellis Dream Team | Utah's Premier Mortgage Lender](https://sharlaellis.com/terms-and-conditions): Privacy and terms page for Sharla Ellis describing data practices, AI use, sharing, and advertising opt-outs.
- [Buy a New Build With Little Down Near Salt Lake City (2026)](https://sharlaellis.com/buy-a-new-build-with-little-down-near-salt-lake-city): Guide to buying new construction near Salt Lake City with low-down loans, down payment assistance, and builder incentives.
- [Buy a Home in Salt Lake City With No Money Down (2026)](https://sharlaellis.com/buy-home-salt-lake-city-no-money-down): A guide to zero-down and low-cash home-buying options for eligible buyers in Salt Lake City and surrounding Utah counties.
- [Buy Now or Wait to Buy a Home in Salt Lake City?](https://sharlaellis.com/buy-now-or-wait-to-buy-salt-lake-city): A Salt Lake City home-buying guide comparing the financial tradeoffs of buying now versus waiting.
- [How to Compare Mortgage Quotes in Salt Lake City](https://sharlaellis.com/compare-mortgage-quotes-salt-lake-city): A guide to comparing Salt Lake City mortgage quotes using Loan Estimates, matched loan terms, lender categories, and total borrowing costs.
- [Conventional Loan Down Payment Options in Utah 2026](https://sharlaellis.com/conventional-loan-down-payment-options-utah-2026): A Utah mortgage guide explaining conventional loan down payment levels, PMI, eligibility, funding sources, and 2026 loan limits.
- [Conventional vs FHA Rates in Salt Lake County: Lifetime Cost](https://sharlaellis.com/conventional-vs-fha-rates-salt-lake-county): A Salt Lake County mortgage guide comparing conventional and FHA loan costs, mortgage insurance, down payments, assistance programs, and borrower fit.
- [Discount Points in Salt Lake County: When Buying Down Pays](https://sharlaellis.com/discount-points-salt-lake-county): Guide to evaluating mortgage discount points, break-even periods, jumbo loans, and lender credits for Salt Lake County borrowers.
- [Which Lender Helps With Down Payment Assistance in Salt Lake City? | Sharla Ellis](https://sharlaellis.com/down-payment-assistance-lender-salt-lake-city): A guide to finding Salt Lake City lenders and Utah programs that help eligible buyers with down payment assistance.
- [Who Can Help With an FHA Loan in Salt Lake City?](https://sharlaellis.com/fha-loan-help-salt-lake-city): A Salt Lake City mortgage team explains FHA loan eligibility, costs, mortgage insurance, and comparisons with conventional financing.
- [First-Time Home Buyer Grants in Salt Lake City and County](https://sharlaellis.com/first-time-home-buyer-grants-salt-lake-city): A guide to Salt Lake City and County down payment assistance, including CDCU Own In programs, eligibility, award limits, and application steps.
- [First-Time Homebuyer Roadmap for Salt Lake City](https://sharlaellis.com/first-time-homebuyer-roadmap-salt-lake-city): A step-by-step guide to buying a first home in Salt Lake City, covering financing, neighborhoods, offers, closing, and Utah assistance programs.
- [Which Lender for Mortgage Pre-Approval in Salt Lake City? | Sharla Ellis](https://sharlaellis.com/get-pre-approved-which-lender-salt-lake-city): Guide to choosing a Utah-licensed mortgage lender for home-buyer pre-approval in Salt Lake City.
- [Can You Use Gift Funds for a Down Payment in Utah? | Sharla Jolley Ellis](https://sharlaellis.com/gift-funds-down-payment-utah): A Salt Lake City buyer's guide to using gift funds for down payments and closing costs in Utah.
- [Who Is a Good Mortgage Broker in Salt Lake City?](https://sharlaellis.com/good-mortgage-broker-salt-lake-city): Guide to evaluating mortgage professionals, comparing brokers with direct lenders, and choosing a Salt Lake City lending team.
- [Who Can Guide Me Through the Mortgage Process in Salt Lake City?](https://sharlaellis.com/guide-through-mortgage-process-salt-lake-city): A Salt Lake City mortgage guide explaining the home-loan process, common obstacles, and support offered by the Sharla Ellis Team.
- [Can Someone Help Me Get Financing for a House in Salt Lake City?](https://sharlaellis.com/help-get-financing-house-salt-lake-city): A Salt Lake City mortgage guide explaining financing options, qualification concerns, and how to begin with a mortgage advisor.
- [Home Loans for Teachers, Nurses, and First Responders UT](https://sharlaellis.com/home-loans-teachers-nurses-first-responders-utah): A guide to Salt Lake City home-loan, down-payment assistance, and hero-program options for teachers, nurses, and first responders.
- [How Much Down Payment to Buy in Salt Lake City (2026)](https://sharlaellis.com/how-much-down-payment-to-buy-salt-lake-city): Guide to Salt Lake City down-payment options, loan minimums, assistance programs, and illustrative costs for a $500,000 home.
- [Who Can Help With a Jumbo Home Loan in Salt Lake City? | Sharla Jolley Ellis](https://sharlaellis.com/jumbo-home-loan-help-salt-lake-city): Guide to jumbo home loans, qualification factors, and local lender options for Salt Lake City buyers.
- [Which Mortgage Broker Has Good Reviews in Salt Lake City? | Sharla  Ellis](https://sharlaellis.com/mortgage-broker-good-reviews-salt-lake-city): A guide to evaluating mortgage broker reviews in Salt Lake City and understanding the Sharla Ellis Team's direct-lender model.
- [Which Mortgage Lender Has Good Rates in Salt Lake City? | Sharla Jolley Ellis](https://sharlaellis.com/mortgage-lender-good-rates-salt-lake-city): Guide to comparing mortgage lenders, rates, fees, points, and rate-lock timing for Salt Lake City borrowers.
- [Do You Pay Back Down Payment Assistance in Utah? | Sharla Ellis](https://sharlaellis.com/pay-back-down-payment-assistance-utah): A Salt Lake City guide explaining how Utah down payment assistance is repaid, deferred, or forgiven.
- [What Professionals Help You Secure a Mortgage in Salt Lake City?](https://sharlaellis.com/professionals-securing-mortgage-salt-lake-city): Guide to the professionals involved in securing and closing a mortgage in Salt Lake City.
- [Qualify to Buy With Little or Nothing Down in Salt Lake City](https://sharlaellis.com/qualify-to-buy-with-little-or-nothing-down-salt-lake-city): A guide to qualifying for low- and no-down-payment home loans in Salt Lake City.
- [Rate Lock Salt Lake City: When to Lock and How Long](https://sharlaellis.com/rate-lock-strategy-salt-lake-city): A Salt Lake City mortgage guide explaining when to lock, how long to lock, float-downs, extensions, and Wasatch Front market considerations.
- [Refinance Salt Lake City Mortgage Rates: Break-Even Math](https://sharlaellis.com/refinance-rate-drop-break-even-salt-lake-city): A Salt Lake City homeowner guide to evaluating refinance mortgage rates with break-even math, loan goals, equity, and closing costs.
- [Salt Lake City Home Affordability: A Practical Walkthrough](https://sharlaellis.com/salt-lake-city-home-affordability-walkthrough): A practical guide to evaluating home affordability in Salt Lake City using income, debt, down payment, rates, and neighborhood costs.
- [Salt Lake City Mortgage Rates 2026: A Buyer and Owner Guide](https://sharlaellis.com/salt-lake-city-mortgage-rates-2026): A buyer and homeowner guide to comparing, understanding, and timing Salt Lake City mortgage rates.
- [Sandy, Utah Home Loans: A Move-Up Buyer's Guide](https://sharlaellis.com/sandy-utah-home-loans-move-up-buyer-guide): A move-up buyer guide covering Sandy, Utah financing, home equity, loan limits, and sale-and-purchase timing.
- [Sugar House Salt Lake City Home Loans: A Buyer's Guide](https://sharlaellis.com/sugar-house-salt-lake-city-home-loans): A buyer's guide to financing bungalows, condos, and renovated homes in Sugar House, Salt Lake City.
- [USDA Eligible Towns Near Salt Lake City: Zero Down in 2026](https://sharlaellis.com/usda-eligible-towns-near-salt-lake-city-zero-down-loan): Guide to USDA-eligible towns near Salt Lake City, including commute considerations, address-level verification, and zero-down loan basics.
- [USDA Home Loans in Utah 2026: Eligibility, Income Limits, and Zero Down](https://sharlaellis.com/usda-home-loans-utah-guide-2026): A guide to USDA home loans in Utah covering eligibility, income limits, qualifying areas, costs, and the application process.
- [Utah Down Payment Assistance Mortgage Updated for 2026](https://sharlaellis.com/utah-down-payment-assistance-options): Guide to Utah down payment assistance programs, eligibility requirements, and ways to combine state and local funding.
- [Utah Housing Corporation Loans in Salt Lake City](https://sharlaellis.com/utah-housing-corporation-loans-salt-lake-city): A guide to Utah Housing Corporation loan programs and down payment assistance for Salt Lake City homebuyers.
- [Utah USDA Loans Near Salt Lake City | Zero-Down Eligibility](https://sharlaellis.com/utah-usda-loans-salt-lake-city-zero-down-eligibility): A guide to USDA loan eligibility, income limits, requirements, and application steps for buyers near Salt Lake City.
- [Who Can Help With a VA Loan in Salt Lake City? | Sharla Jolley Ellis](https://sharlaellis.com/va-loan-help-salt-lake-city): A Salt Lake City lender guide explaining VA loan benefits, eligibility, funding fees, and how to choose an experienced lender.
- [VA Loan Near Hill Air Force Base, Utah: No Money Down | Sharla Jolley Ellis](https://sharlaellis.com/va-loan-near-hill-air-force-base-utah): A guide to using VA loans to buy a zero-down home near Hill Air Force Base in Davis County, Utah.
- [What Drives Mortgage Rates: Signals Salt Lake City Buyers Watch](https://sharlaellis.com/what-drives-mortgage-rates-salt-lake-city): A Salt Lake City mortgage guide explaining bond-market drivers, economic signals, and conforming versus jumbo loan pricing.
- [What Specialist Helps With Getting a Mortgage in Salt Lake City?](https://sharlaellis.com/what-specialist-helps-mortgage-salt-lake-city): Guide to the mortgage specialists, licensing requirements, loan programs, and selection criteria relevant to Salt Lake City homebuyers.
- [Where Can I Find Someone to Help With a Home Loan in Salt Lake City?](https://sharlaellis.com/where-to-find-home-loan-help-salt-lake-city): Guide to finding, vetting, and comparing home loan advisors and lenders in Salt Lake City.
- [Which Lender Should You Choose to Refinance in Salt Lake City? | Sharla Jolley Ellis](https://sharlaellis.com/which-lender-to-refinance-salt-lake-city): A Salt Lake City mortgage team explains how homeowners can compare refinance lenders, costs, programs, and break-even timing.
- [Who Can Help Me With a Home Loan in Salt Lake City? | Sharla Jolley Ellis](https://sharlaellis.com/who-can-help-home-loan-salt-lake-city): A guide to finding a mortgage advisor and understanding home loan options for Salt Lake City buyers.
- [Who Handles Home Loan Applications in Salt Lake City?](https://sharlaellis.com/who-handles-home-loan-applications-salt-lake-city): Guide to the roles, stages, and local lending team involved in Salt Lake City home loan applications.
- [Who Helps People Get Approved for Home Loans in Salt Lake City?](https://sharlaellis.com/who-helps-get-approved-home-loan-salt-lake-city): A guide explaining mortgage advisors' roles, lender approval factors, and preparation steps for Salt Lake City homebuyers.
- [Who Do I Contact to Apply for a Home Loan in Salt Lake City?](https://sharlaellis.com/who-to-contact-apply-home-loan-salt-lake-city): Guide to contacting a mortgage advisor and applying for a home loan in Salt Lake City.
- [Who Do I Go to for a Home Loan in Salt Lake City?](https://sharlaellis.com/who-to-go-to-home-loan-salt-lake-city): A Salt Lake City mortgage guide comparing banks, credit unions, brokers, and direct lenders.
- [Who Should I Talk to About Getting a Mortgage in Salt Lake City?](https://sharlaellis.com/who-to-talk-to-mortgage-salt-lake-city): Guide explaining who Salt Lake City homebuyers should contact first for mortgage advice and pre-approval.
- [Who Can Help With a Zero Down Home Loan in Salt Lake City? | Sharla Ellis](https://sharlaellis.com/zero-down-home-loan-salt-lake-city): Guide to VA, USDA, and Utah Housing assistance options for buying a home with little or no money down in Salt Lake City.
- [2024 Next-Level Sales and Marketing Summit](https://sharlaellis.com/next-level2024): Contact listing for Sharla Ellis at Fairway Independent Mortgage Corp. in Salt Lake City.
- [Is the 2% Refinance Rule Still Relevant?](https://sharlaellis.com/refinance-two-percent-rule): Salt Lake City refinance guide explains why the 2% rule is outdated and break-even math matters more.
- [Client Resources | The Sharla Ellis Dream Team](https://sharlaellis.com/client-resources): A mortgage client-resources page for Sharla Ellis that promotes lender advantages, loan programs, contact details, and coaching events.
- [FHA Home Loans - Salt Lake County](https://sharlaellis.com/fha-home-loans): Sharla Ellis's Salt Lake County FHA home loans page explains eligibility, local property issues, and financing limits.
- [Salt Lake County Home Loans: Your Complete Guide](https://sharlaellis.com/salt-lake-county-home-loans-your-complete-guide): Salt Lake County mortgage page outlining home loan, refinance, and jumbo financing options.