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.
Goldenwest Credit Union Mortgage Specialists
Goldenwest 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!
Apply Now
-
Home LoanLet Tonya Froerer help you with a home loan. -
Refinance LoanLet Tonya Froerer help you with a refinance loan. -
Construction LoanLet Tonya Froerer help you with a construction loan. -
Lot LoanLet Tonya Froerer help you with a lot loan. -
First Time Homebuyer LoanLet Tonya Froerer help you with a first time homebuyer loan.
How our members feel about their experience with Tonya
"Tonya, Alexandra and John have all been so wonderful and helpful to work with during this process. I would 100% recommend them to anyone I know considering a mortgage. Thank you all so much!"
-Kallie J
"Thank you for your help on our loan. You were very informative and a pleasure to work with."
-Seager P
"Tonya and Chelsea were professional, efficient, and did an amazing job! Would highly recommend."
-Frank W
"Tonya was so professional and just simply amazing!! Thank you for everything you did to help make our refinance painless."
-Mike K
"Tonya and Chelsea were both very professional. I have owned several homes and this by far has been my best banking/mortgage experience. I will recommend GWCU to all my friends/family."
-Jake R
"Tonya and Chelsea kept me informed through process – great to work with! Would highly recommend."
-Michael H
"Tonya and Chelsea did a great job and were very helpful and professional throughout the process."
-Joel P
"Tonya is a ROCKSTAR!"
-Holly P
"Tonya was great. Chelsea was fabulous too. She kept us well informend and up to date on the process. We appreciate GWCU."
-Robert W
"Tonya was a pro and made this experience seamless. Thank you Tonya!!"
-Gary A
"I think both Tonya and Chelsea are awesome! They were beyond helpful."
-Joseph D
"Tonya's team was always so prompt to answer any questions. I've always felt informed."
-Seth W
"Greatest team ever!"
-Randall C
"Chelsea and Tonya were extremely helpful and I'm very grateful."
-Troy E
"Chelsea and Tonya were wonderful to work with through the whole process. Thank you!"
-Brian B
"Tonya and her team were a pleasure to work with. They had my back through the entire process. I will be using them in the future."
-Samuel H
"Chelsea Jeffries and Tonya Froerer were extremely helpful and kept me updated on what steps needed to be done next. Thanks ladies! You always were prompt to answer my questions and never made me feel like my questions were silly."
-Bryce L
"Tonya and her team were absolutely wonderful. This has been such a easy process thanks to them!"
-Kyle S
"Tonya and her team have been great! They kept me informed and walked me back from the edge when I was freaking out. They are great!"
-Ryan U
"Thank you so much Tonya and entire staff that put our mortgage together. We know how hard you worked on our behalf. We are truly grateful for your service."
-Matthew W
"The loan officer has made the process so easy for us. She made sure we had everything we needed."
-David B
"Everyone is the mortgage department was fantastic to work with! Great staff! They made the process so smooth. Thanks everyone!"
-Whitney N
"Very informative. Helped understand the process. Made it comfortable (process)."
-Paul F
"Tonya, Blake and Alli were great, responsive and very helpful. Much appreciated!"
-Lori R