Get to know your new mortgage expert team

Senior Loan Officer

Cam Cope

Cam Cope has nearly 20 years of experience in lending. He's experienced in all types of residential loans including Conventional, VA, FHA, USDA, Jumbo, Non-QM and even Commercial and Private loans.

Cam Cope has nearly 20 years of experience in lending. He's experienced in all types of residential loans including Conventional, VA, FHA, USDA, Jumbo, Non-QM and even Commercial and Private loans. Whether you have good credit, bad credit, or no credit, Cam can help you with your Purchase or Refinance needs.

Cam Cope is also a Licensed Attorney in the state of Utah (Utah Bar: 14963) offering services for Estate Planning, Bankruptcy, Family Law and Real Estate law. Cameron completed a Juris Doctorate degree at Arizona State University and a Bachelors of Arts degree in Public Relations at Utah State University. As an attorney, Cam is often able to use his legal knowledge and creativity to provide solutions that other lenders and loan officers do not provide.

Cam Cope and the Independent Home Loans team provides quick, accurate, and reliable service to current and future homeowners in Utah. Unlike big banks, which have built-in margins and back-end profits employed in their mortgage services, our team at Independent Home Loans is a brokerage that uses wholesale lenders and interest rates, meaning there are no hidden fees. Additionally, working for a Mortgage Broker means that we have the ability to take your loan to several investors with different overlays and restrictions so that we make sure to get you the best rate and program that you deserve. We have a no-fico score program, a first-time home buyer program, a grant program and so on.

In his free time, Cameron enjoys spending time outdoors with his wife and 3 sons – ages 8, 7 and 4. Cameron enjoys rock climbing, hiking, camping, snowboarding, golf and all types of music.
Additional Languages: Korean
Licensed in Utah: NMLS# 192764

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Senior Loan Officer

Trace Wilkinson

Trace has been helping people buy homes and navigate the mortgage process since 2012 — and he genuinely loves what he does!

Trace has been helping people buy homes and navigate the mortgage process since 2012 — and he genuinely loves what he does! He specializes in the loans that make other lenders sweat: complex files, tricky situations, clients who've been told "no" somewhere else. If there's a path to getting you into that home, he'll find it.

Based in Utah, He work with buyers and referral partners who want a lender who's actually going to pick up the phone, think outside the box, and get the deal done. Outside the office, He’s a husband, dad of three boys, and someone who'd rather be skiing or out on the water than sitting still. That energy follows him into every loan he work on.

Trace Wilkinson
Sr. Loan Officer/NMLS #1180212
Phone 801-864-4816
Fax 801-210-7969
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Part of INDEPENDENT HOME LOANS
NMLS ID 1887282

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Loan Officer

Zach Cottrell

Zach Cottrell joins the team at Independent Home Loans with an excitement to help everyone achieve their goals when it comes to their current or future homes. No matter your situation, he can help with purchases and refinances with all types of residential loans including Conventional, VA, FHA and USDA.

Zach Cottrell joins the team at Independent Home Loans with an excitement to help everyone achieve their goals when it comes to their current or future homes. No matter your situation, he can help with purchases and refinances with all types of residential loans including Conventional, VA, FHA and USDA.

Zach Cottrell and the Independent Home Loans team provides quick, accurate, and reliable service to current and future homeowners in Utah. Unlike big banks, which have built-in margins and back-end profits employed in their mortgage services, our team at Independent Home Loans is a brokerage that uses wholesale lenders and interest rates, meaning there are no hidden fees. Additionally, working for a Mortgage Broker means that we have the ability to take your loan to several investors with different overlays and restrictions so that we make sure to get you the best rate and program that you deserve. We have a no-fico score program, a first-time home buyer program, a grant program and so on.

In his free time, Zach enjoys spending time doing almost anything. Zach enjoys golfing, skiing, basketball, and spending time with family and friends.
Additional Languages: Spanish

NMLS ID# 2010601

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Loan Officer

Kyle Price

Kyle Price brings over six years of mortgage industry experience to his role at Independent Home Loans, with a comprehensive background with access to numerous loan programs — including conventional, FHA, VA, USDA, jumbo, and refinance products.

Kyle Price brings over six years of mortgage industry experience to his role at Independent Home Loans, with a comprehensive background with access to numerous loan programs — including conventional, FHA, VA, USDA, jumbo, and refinance products. Licensed in multiple states, Kyle has extensive lending experience across some of the nation's most dynamic real estate markets, including Texas, California, Florida, Arizona,Washington, Utah, Colorado, and Idaho. His deep familiarity with the full lending landscape allows him to tailor solutions to each client's unique financial situation, whether they are a first-time homebuyer, a seasoned investor, or looking to refinance an existing mortgage.
Before transitioning into the mortgage industry, Kyle built a career in the nonprofit and education sectors — an experience that continues to shape his client-first philosophy. He is deeply committed to empowering borrowers through education, ensuring every client fully understands their options before making one of the most significant financial decisions of their lives.
What drew Kyle to Independent Home Loans was the company's shared commitment to that mission: delivering exceptional service while helping clients save on the biggest purchase of their lives. He takes pride in guiding clients through every step of the process with transparency, expertise, and genuine care.
Kyle holds a Master's Degree in Language Pedagogy and Bachelor's Degrees in Political Science, International Studies, and German from the University of Utah.
Outside of the office, Kyle is an outdoor enthusiast who enjoys mountain biking, skiing, camping, and fishing — with varying degrees of success on the water. He cherishes time spent in nature with his family.

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Kyle Price
Loan Officer
NMLS ID# 1948945
c. 801.808.6795
f. 801.210.7969

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Senior Loan Officer

Nathan Wathen

With over 20 years of experience in the mortgage industry, I bring a deep understanding of the home financing process and a commitment to helping clients achieve their homeownership goals with confidence. I’ve worked extensively across a wide range of loan programs, including Conventional, VA, FHA, USDA, Jumbo, and Non-Qualified mortgages, allowing me to tailor solutions to fit each client’s unique financial situation.

With over 20 years of experience in the mortgage industry, I bring a deep understanding of the home financing process and a commitment to helping clients achieve their homeownership goals with confidence. I’ve worked extensively across a wide range of loan programs, including Conventional, VA, FHA, USDA, Jumbo, and Non-Qualified mortgages, allowing me to tailor solutions to fit each client’s unique financial situation.
My approach is simple: provide clear guidance, consistent communication, and a smooth, stress-free experience from pre-approval to closing. I take pride in breaking down complex loan options into straightforward terms so my clients always feel informed and empowered throughout the process.
Outside of work, I’m all about family and the outdoors. Whether I’m coaching my son’s baseball team, watching my daughter dance, hitting the golf course, or out mountain biking, I value staying active and spending quality time with my kids.

NMLS # 2092226

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Senior Loan Officer

Derek Smart

Derek is fortunate to have been involved with real estate from the day he was born. From the time of his childhood, his family has been farming raw ground, holding the land while it increases in value and developing it into its highest and best use.

Derek is fortunate to have been involved with real estate from the day he was born. From the time of his childhood, his family has been farming raw ground, holding the land while it increases in value and developing it into its highest and best use.
Although he enjoyed rising early to work with his hands on machinery and livestock, he chose to pursue a university education and graduated from both Snow College and Utah State University.
While finishing his business and finance degree at Utah State, he read the book "Rich Dad Poor Dad" and became more excited about real estate and investing personally.
This helped him realize the importance of cash flow, owning assets, and tax planning which led him and his wife to purchase investment properties.
Derek enjoys helping others through real estate financing as a mortgage loan officer with Independent Home Loans and a real estate agent with Double Edge Real Estate.
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