About Us

Whether you are purchasing your dream home, or refinancing an existing mortgage, we understand it is a big deal! At Stratify Lending LLC, our goal is to make the process seamless and enjoyable. Our mortgage professionals are experts on the wide array of mortgage products available to consumers. Our careful assessment process will help match you with the right product to meet your long-term financial goals.

Meet the Stratify team

Loan Originators

Loan Originator

Steve Skidmore

NMLS #174529

Steve has been in the mortgage business for 10+ years. Steve has always liked working with people so it is very rewarding for him to be able be in a business that allows me to put others in a better financial position via refinance to get a lower rate, pay off debt or buy a home. Outside of work Steve enjoys spending time with my 5 year old daughter, taking his Great Dane, Lulu on walks and attending University of Utah football and basketball games. If I could be anywhere it would most likely be on a warm beach in Mexico with a cold drink in hand. I try to treat my clients the same way I like to be treated and will be available for them whenever they need me. Steve does not take for granted the fact that your mortgage loan is most likely the biggest financial investment of your life!
Loan Originator

Vance Green

NMLS #1979157

Over the last ten years, Vance has worked in various positions in the housing industry both locally and nationally. His goals as a Mortgage Loan Officer are to make sure each client has a smooth, seamless experience purchasing or refinancing their home. He knows how important this investment is to you and your family and will make sure you get across the finish line feeling confident and at ease with your mortgage. When he is not working, he loves golfing, fishing, and camping throughout Utah and Idaho. He also loves spending time with his wife, daughter, and doggo every chance he gets!
Loan Originator

Sam Perkins

NMLS #1571938

Sam is a bilingual loan officer that has a passion for helping his clients achieve the American dream of owning their own home. He works diligently to make sure that dream is both attained and retained. Sam believes that the process of attaining a mortgage is much more than a transaction, it’s about building long lasting relationships with his clients.
Loan Originator

Mason Minhondo

NMLS #1126223

Mason began his career in the mortgage industry in 2014. During those years, he has assisted over a thousand families in obtaining financing for their new home purchase as well as have helped improve the mortgage situation for many by refinancing their current mortgage. As a mortgage professional, it is important to him to stay up to date and educated on the ongoing changes in the mortgage industry to help suit his clients’ mortgage needs. Being a mortgage loan originator, Mason strives to exceed his clients’ expectations by creating a close relationship throughout the entire process and making himself readily available every day at any time. Prior to starting his career in the mortgage industry, Mason attended and graduated from the University of Utah. Go Utes! While he is not originating home loans, Mason enjoys spending time with his family, 2 dogs, and friends. Most of his time is spent traveling, attending sporting and music events, and being active outdoors.
Loan Originator

Mohamed Ibrahim

NMLS #1504395

Although Mohamed was born in Egypt, he likes to think of himself as a native Utah’n. Mohamed has resided in Sandy, Utah since he moved to the US at the age of 3.

With more than 5 years of experience as a licensed mortgage specialist, Mohamed understands the process of obtaining a mortgage has many moving parts. He provides his borrowers with a great understanding of the always changing market and effectively communicates to his clients for the duration of the loan process to assure the utmost professionalism.

Mohamed’s greatest joy in life is his beautiful wife Mary and his two children Nora (4) and Cairo (2).

He genuinely loves what he does and is proud to call Stratify his employer.

Operations Staff

Lead Loan Processor

Robert Olsen

Coming Soon
Loan Processor

Bry Themann

Bry is a mom to a wild child, my hobbies include being outdoors, spending time with my family, enjoying anything that has to do with music and food! I really enjoy meeting new people and building new connections! I love being part of the Stratify Lending family, we really are family here and it makes coming to work not really feel like work. We are a great team and all of us are very well driven to always be the best!
Loan Processor

Erik Almonaci

Erik Almonaci is a Loan Processor at Stratify Lending. Erik processes loan applications from start to finish. He specializes in mortgage refinancing, and educating clients throughout the refinance process. You can expect 100% transparency, and excellent communication, when working with Erik. Erik has worked with reputable agencies such as SelectHealth, Utah Division of Medicaid and Health Financing among others. Erik is a proud Father of two beautiful daughters, and he is a devoted husband to Michelle. When he’s not busy working, you are sure to find him visiting national parks across the country.
Loan Processor

Joe Manzo

Joe Manzo is a film fanatic from Littlerock, California. He grew up watching movies, and music videos being filmed at the “Four Aces,” a professional film set movie location in his hometown. He left his small town after college, to pursue a career in the mortgage industry. This led him to work for PennyMac Loan Services in Ventura County. After a few years of working at PennyMac, he proposed to his fiancé, Stephanie. Together, they decided to make the move to Salt Lake City to start a new life, and a family of their own. Joe now works as a Loan Processor at Stratify Lending, with ambitions of being a Loan Officer in the very near future.
Loan Officer Assistant

Madison Jensen

Madison is a Loan Officer Assistant here at Stratify Lending, where she provides support to both loan originators and clients for an effortless mortgage loan process. Madison has worked with Zions Bank and Wells Fargo, bringing several years of customer service and financial/loan experience to the Stratify Lending team. You can expect compassion and honesty when working with Madison. When she is not working, Madison loves to spend time at home with her dog while either reading, creating art, or watching Star Wars!
Loan Officer Assistant

Alexis Salazar

Alexis is originally from Los Angeles, California and her hobbies are spending time with her family and looking for new places to eat with her fiancé. She enjoys being snuggled up in bed with snacks and binge watching her favorite tv shows. When she’s not, she’s at a wonderful company called Stratify Lending. She enjoys what she does here as an LOA. She gets to connect and build relationships with her borrowers and ultimately satisfy their needs through assisting them with their loans. She expresses she is extremely grateful for the opportunity to assist the loan officers in making this a smooth process. She has previous mortgage experience at Select Portfolio Servicing (SPS), as a Loss Mitigation Specialist. She loves what she does and hopes to continue her career in Mortgages.
Initial Disclosures Manager

Nick Cline

Nick has been working with us since the beginning and is a valuable asset to the team. Nick wears many hats. He manages our Loan Set Up/ Initial Doc Team and also assists with Stratify’s different marketing platforms. He is always willing to lend a hand whether it’s helping with IT issues and even unlocking the office doors every morning. He is one of the first people to the office and one of the last to leave. Nick’s favorite part about Stratify Lending is the people he works with every day. If Nick could be anywhere else, it would be beachside with his friends, family and his dog, Wake.
Founder-President

Wendy Laughlin

NMLS #1610250

Wendy has been in business management for over 20 years. Her goal for Stratify Lending is to be simply, the very best at what we do.

Hard work, integrity, dedication and loyalty are philosophies that Wendy lives by. These have been instrumental in building Stratify Lending into a highly respected mortgage company. We want every customer to feel like they have had a great experience with us as a company. By offering a vast array of mortgage products, we can find the optimal financial solution for every customer.

Wendy holds a BS degree in Mass Communications from the University of Utah.
In her free time, Wendy enjoys traveling, especially somewhere near a beach, cycling and spending time with family.

Founder-CEO

Ty Cline

NMLS #6216

Ty has been employed in the mortgage industry for over 25 years. In this period he has worked both as a mortgage loan originator, and has built and managed teams of some of the highest producing loan officers in the country. He is extremely well-versed in all aspects of both the mortgage and financial industry. His in-depth knowledge of mortgage products and industry guidelines has made him a leader in the industry. He is well-respected by both his peers and his customer base.

Customer Service is at the forefront of every transaction that Ty touches. He understands that every customer has individual needs, and financial goals. He is constantly researching market trends and analyzing different financial options to offer our consumers. He wants everyone to have the best experience while receiving the best mortgage possible. Ty’s leadership has created a culture of integrity and trust at Stratify Lending. Most of our borrowers are repeat customers who refer their friends and family members.

In addition to assisting customers, Ty loves sports, especially Utah football, Spending time with family and the dog park with his canine companion Drago.

Our Company Offering

1

Professionalism

Stratify Lending’s team consists of true mortgage professionals who are committed to finding you the best mortgage solution at the best rate. They are proactive to the road blocks that can arise in the loan process and how to navigate around them. This close attention will ensure you close on your home quickly and efficiently.
2

Customer Service

Our company’s mission is to provide each customer with the highest level of service. We offer a helping hand to guide you through the mortgage process. We tailor our updates to your individual needs. Whether you want to communicate through your loan officer or via our on-line application, you can track your loan every step of the way.
3

Ethical Lending Practices

We believe in building a long-term relationship with our customers. Our employees understand that our reputation is built on trust. Through providing honest, consultative advice, we will provide you with complete transparency and sound advice.

Stratify Mission Statement

Our company mission is to always conduct business with the following principles

Act With Integrity

Provide Unparalleled Customer Service

Strive For Excellence On All Levels

Offer Inspirational Leadership

Support Our Community

Drive Change Through Technology And Industry Advancements

Check Out Our Mortgage Tools

Calculate how much your fixed rate mortgage payment will be and more.