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Utah & California Home Loan Programs

Not sure which loan program matches your GOALS? Click pre-qualify below and let's talk about your options!

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Conventional Loans

Conventional loans can be a great mortgage option with many key benefits including removable mortgage insurance. Ask Scott about his Conventional First-Time Homebuyer program or the many other Conventional loan options available.

Utah & CA FHA Loans

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. Ask Scott what FHA programs are available based on your borrower profile.

Utah Housing Loans

If cash at closing is your challenge, a UHC Down Payment Assistance Second Mortgage can help. When combined with a UHC first mortgage, qualified borrowers can purchase a home with little or no cash investment. Ask Scott if this is right for you!

Utah & CA VA Loans

Home loans backed by the Department of Veterans Affairs (VA) provide affordable home financing options for eligible Service Members, Veterans and surviving spouses. VA loans require no down payment if you have full VA entitlement available.

Rural Utah & CA USDA Loans

Home loans guaranteed by the USDA provide affordable financing options for properties located in designated small towns and suburbs. This program helps eligible low to moderate-income families by offering a no down payment option.

Utah Jumbo Loans

A jumbo loan, or non-conforming mortgage, allows you to purchase more expensive homes with a loan amount above the conforming limit set by the Federal Housing Finance Agency.  Jumbo loan rates generally trend higher than conforming loans.

Chenoa Fund Loans

The Chenoa Fund is an affordable housing program administered by CBC Mortgage Agency (CBCMA), a federally chartered governmental entity. Provides down payment assistance financing under FHA and Conventional guidelines.

CalHFA California DPA Loans

Veritas Funding is proud to offer down payment assistance via the California Housing Finance Agency. This program provides access to home ownership through multiple down payment and closing cost assistance solutions for low to moderate income borrowers.

Utah & CA Refinance Loans

Looking to save on your payments or want to restructure your debt profile? Refinancing allows you to take cash out of your equity, change your loan program or to take advantage of a new interest rate. Ask Scott for a free refinance consultation!

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