Hello! My name is Todd. I joined the mortgage industry in 1997 to help people make informed, confident financial decisions that shape their futures. What began as a career became a calling: guiding families through one of life’s biggest milestones with clarity, education and care. Over the years, I’ve built a practice centered on relationships, earning the trust of local buyers, agents and builders across Utah.

As SVP of Mortgage Lending at America’s #1 Retail Mortgage Lender, I lead the Young Heath Team in Lehi, UT, a group focused on construction and purchase financing with a reputation for service, strategy and results. I blend deep construction loan expertise with education, communication and personal guidance.

Nearly three decades later, my purpose remains the same: to simplify the process, strengthen communities and help families feel at home from start to finish. It’s not just about loans — it’s about building lasting connections that stand long after the keys are handed over.