Tonya Froerer

Mortgage Originator

With over two decades of experience in mortgage lending, I’ve been helping families achieve the dream of homeownership since 2000. As a Senior Vice President of Mortgage Business Development and Senior Mortgage Officer at Goldenwest Credit Union, I’m not only committed to growing our mortgage division, but more importantly, I’m passionate about guiding borrowers through one of the most exciting—and sometimes overwhelming—chapters of their lives.

There is truly nothing more rewarding than being part of a borrower's journey to closing on their first or forever home. Whether you're building from the ground up, purchasing a lot, refinancing, or buying your very first home, I’ll be there every step of the way with expert advice, personalized loan solutions, and fast, honest communication.

Goldenwest is a full-service financial institution, which means I can also help you evaluate your full financial picture—from consolidating debt to lowering fees and securing the most competitive rates available. I take great pride in delivering value beyond the mortgage, always keeping your long-term financial wellness in mind.

I specialize in construction loans, lot loans, VA, FHA, conventional, No MI options, reverse mortgages, and programs tailored for first-time buyers. I consistently rank among the top three originators at Goldenwest, and I’ve built trusted relationships with builders and realtors alike by bringing professionalism, responsiveness, and integrity to every transaction.

I live in Ogden Valley and love spending time outdoors with my family. Whether I’m running mountain trails, skiing fresh powder, or cheering on local teams, I’m always proud to be part of this amazing community.

I look forward to earning the opportunity to help you reach your homeownership goals—with transparency, trust, and heart.

USU Credit Union Mortgage Specialists

USU Credit Union mortgage specialists handle a wide variety of loans including mortgages, lot loans, construction loans, and refinances. Reach out to experience their professionalism first-hand!