For Utah, Idaho, and Colorado Renters & Future Homebuyers

Think You Need 20% Down or Perfect Credit to Buy a Home? Think Again.

Get Your Custom Game Plan

Down payment stress and confusing mortgage jargon stop most buyers before they even start. Let Jason Christensen build a clear, step-by-step path to homeownership—featuring local Down Payment Assistance programs and free credit optimization.

Where Should We Send Your Custom Game Plan & Video?

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Get My Custom Homebuyer Game Plan

By clicking this box, you agree to receive communications via AI voice calls, email, and text messages from Jason Christensen with Encompass Lending at the number provided. Consent is not a condition of purchase. Message and data rates may apply. Your information is kept strictly private.

Here’s What We Map Out For You Instantly:

Your Free Homebuyer Game Plan & Walkthrough Video (Delivered Instantly): You’ll immediately unlock our local digital guide and a short 2-minute walkthrough video breaking down how to navigate the mortgage process in Utah, Idaho, and Colorado, cutting through complex jargon so you can understand your options before speaking to anyone.

Your Custom Cash-to-Close & Payment Consultation (Included Free): Jason will personally map out your true buying power, including Your Custom Cash-to-Close & Payment Breakdown to show how state and local Down Payment Assistance (DPA) programs can drastically reduce your upfront cash required (with zero hard credit pulls), plus a step-by-step roadmap through our Home Start Program to optimize your credit score if needed.

Real Buyers. Real Results.

"We had such a great experience working with Jason! As first-time homebuyers, we had a lot of questions, and he made the entire process so much easier and less stressful. He was always helpful, responsive, and willing to go the extra mile to make sure everything went smoothly. We couldn’t have asked for a better person to help us through the process of buying our first home. We’re so grateful for all his hard work and would absolutely recommend Jason to anyone looking to buy a home. Thank you for helping make this experience such a great one!"

First-Time Buyers

— Bo and Logan Louder

First-Time Buyer Family

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"Jason Christensen provides my buyers with a smooth experience. I have been impressed with his professionalism, efficiency, and competitive fees. It’s great getting a “clear to close” email from his team ahead of our settlement deadline. His lending fees are competitive or even lower, which means my buyers save! Jason is both Trusted and Recommended."

— Lisa Fluty-Agent with Homes International

Agent and Home Buyer

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"As a realtor who has used Jason at Encompass Lending for years, I knew he was the right choice when purchasing my own home this year, without even looking at multiple options (which I typically do for every other aspect of my life). Jason is very responsive; he answered my questions and put numbers together for me whenever I asked (even when I was very indecisive and asking for a lot), and was supportive through the whole process. I trusted him entirely with all my financials, and he never let me down. This is a great lender, and if you're hesitant on who to go with, he's your guy!" Ava Lieb-Agent and buyer.

— Ava Lieb

Agent and Buyer

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"My husband and I held off on buying a home for over two years because we thought we needed $30,000 saved for a down payment. When we connected with Jason, he completely changed the game. He showed us local down payment assistance options we had no idea existed and brought our upfront cash down to a fraction of what we expected. We closed on our home in Salt Lake County last month with money left in our savings!"

— Marcus & Sarah T.

First-Time Buyer Family

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"When another lender turned me away because my credit score was just under the qualifying range, I almost gave up. Jason didn't just tell me 'no'—he put me into Encompass Lending’s Home Start Program for free. He gave me a direct, step-by-step game plan, stayed in touch monthly, and within 90 days my score was right in the approval zone. Now my wife, kids, and I are settled in our new home in Ada County!"