Utah Home Loan Programs

Conventional Loans

Conventional loans can be a great lower cost mortgage option for people who can afford to take advantage of some of its key benefits. If a borrower can put 20% down or get 20% equity in their home over time, no mortgage insurance.

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 with no mortgage insurance.

Utah 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.

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.

Fixed-Rate Loans

With a fixed-rate loan, borrowers are protected from sudden and potentially significant increases in monthly mortgage payments. A conventional 30-year fixed loan remains one of the most popular mortgages used by borrowers.

Utah Refinance Loans

For homeowners looking to save on their current mortgage payments or take cash out of their equity. Refinancing into a conventional loan is a great way to get a term that suits your financial goals. Take advantage of equity with a cash-out refinance.