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Home Loans

A conventional home loan is an effective home loan option for homebuyers with a competent credit score (lowest being 630 on average), limited debt-to-income ratio (DTI - 〱43%), and a minimal down payment (at least 3% of the home's purchase price) at the time of closing.

Down Payment: Minimum Of 5% Down Payment Needed
Loan Terms: Mortgage Terms Of 8-30 Years Are Available
Rate Optons: Either Fixed-Rate Or Adjustable-Rate Mortgages Are Optional
Private Mortgage Insurance (PMI): Required (Unless a down payment of at least 20% is secured.)


Home Loans

Due to government backing (HUD) being in place to bolster the home loaning process, obtaining a home loan through FHA financing is often best for would-be homeowners who lack an abundance of capital to set aside for a down payment of a home's eventual purchase.

Down Payment: Minimum Of 5% Down Payment Needed
Loan Terms: Mortgage Terms Of 15-30 Years Are Available
Rate Optons: Either Fixed-Rate Or Adjustable-Rate Mortgages Are Applicable
Private Mortgage Insurance (PMI): Required (Unless MIP/UFMIP or Mortgage Insurance Premium is active.)


Home Loans

Reciprocating a home purchasing opportunity in the form of a VA home loan to our armed forces (and their qualified kin) is a milestone venture that nearly every practitioner in the home buying/selling industry can wholeheartedly appreciate; if not actively endorse outright.

Down Payment: No Down Payments Are Necessary To Qualify
Loan Terms: Mortgage Terms Of 30 Years Are Available
Rate Optons: Only Fixed-Rate Mortgages Are Applicable
Private Mortgage Insurance (PMI): Optional (VA Home Loans forgo the need for PMI, MIP, or UFMIP.)


Home Loans Through HARP

The Home Affordable Refinance Program (HARP) that enabled purchase options for homebuyers who lacked qualifying equity in their home for alternative financing was concluded on the last calendar day of 2018 (December 31st) and since been replaced by Fannie Mae’s home loan program: High LTV Refinance Option (HIRO).


Home Loans in Utah


Home Loans in Utah


HASP Home Mortgage

Taking advantage of reduced monthly principal costs and lowering interest rates are but a couple of the many inherent benefits that many homebuyers receive through the loaning options of the Homeowner Affordability and Stability Plan, or simply HASP loans for a shortened reference.


Fannie Mae's HomePath

When determining what home loan is ideal for a particular homebuyer, it can be prudent to consider HomePath lending; of which is included under the umbrella of Fannie Mae (one of the nation’s leading mortgage lenders) and the home loan programs they actively promote and endorse.


Home Loans in Utah


Home Loans in Utah


Home Loans For Rural Housing

A rural housing loan, also known as an USDA home loan, offers prospective homebuyers who are seeking property in an area with fewer than 50,000 residents an avenue to pursue a property purchase under favorable mortgage conditions: optional down payment, flexible qualifiers, and no pre-payment penalization.


Fixed VS Adjustable Mortgage Rates

Determining whether a fixed-rate or adjustable-rate mortgage is advantageous or not is largely contingent on the preferences of the individual homebuyer. However, most home loans (USDA, Conventional, FHA, & VA to list the most popular) often afford mortgage rate flexibility that feature either adjustable-rates or fixed-rates, depending on qualifications, loan amount, and lending history.


Home Loans in Utah


Home Loans in Utah


Jumbo Home Loans

Many investment homes, large-scale properties (mansions, estates, etc), and vacation residences can exceed the lending limits of major mortgage lenders (Fannie Mae & Freddie Mac, respectively) and thus require financing through loan options that are not as restricted as with conforming home loans.


Mortgage Rates On YOUR Terms

Enjoying the freedom of dictating the term parameters (such as the amount being paid each month as well as the duration of those monthly payments) and financial obligations that surround a home mortgage/loan is an aspiration that most any homebuyer can appreciate; regardless of property size or loan status.


Home Loans in Utah


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Where We Do Mortgages

Our team of mortgage professionals are licensed in multiple states to give you the best rates and mortgage experience possible.