Every way to buy a Utah home, side by side
Compare purchase programs, see what you'd need down and find the loan that fits your situation. Then let us shop it across dozens of lenders.
- Conventional, FHA, VA, USDA and jumbo
- Specialty loans for physicians and the self-employed
- 21-day closing guarantee
Real numbers. Straight answers. No pressure.
Tell us a little about your goals. Nelson will reach out the same business day with options from dozens of wholesale lenders.
See if you qualify: free, no commitment.
No pressure. Nelson will give you a straight answer about whether this works for your situation.
Utah purchase programs compared
Typical guidelines. Your exact options depend on your full profile.
| Program | Min. down | Typical credit | Mortgage insurance | Best for |
|---|---|---|---|---|
| Conventional | 3%–5% | ~620+ | Removable PMI | Strong credit, small down payment |
| FHA | 3.5% | ~580+ | Annual MIP | Rebuilding credit, gift funds |
| VA | 0% | Flexible | None (funding fee) | Veterans & service members |
| USDA | 0% | ~640+ | Guarantee fee | Eligible areas, income limits |
| Jumbo | 10%–20% | ~700+ | Usually none | Higher-priced homes |
| Physician | 0%–10% | ~700+ | None | Doctors & dentists |
| Bank statement | 10%+ | ~620+ | None | Self-employed |
Buying tools & guides
Get Pre-Approved
A pre-approval backed by our 21-day closing guarantee.
Learn more →First-Time Homebuyers
Low down payment programs and a guide who explains every step.
Learn more →Down Payment Assistance
Utah Housing and state programs that cover your down payment.
Learn more →Buy Before You Sell
Make a non-contingent offer before your current home sells.
Learn more →Free Second Opinion
Send us another lender's Loan Estimate and we'll review it.
Learn more →Relocating to Utah
Get approved before you move and close from anywhere.
Learn more →Don't fit the standard box?
Buyers keep coming back
Nelson and Danna did an outstanding job processing everything for my VA loan. They were very quick and responsive, and everything went much quicker than I expected. I was very happy with the rate and fees they were able to get for me.
This is the 2nd time we have worked with them to buy a house… They helped us to ensure that we configured our mortgage the best way possible for our needs. They were in constant contact with us to make adjustments to get us the best deal possible.
I could not have been happier with my experience! Nelson and Danna went way above and beyond… you will get an incredible attention to detail, but most of all you will feel like you're talking to your friends.
Home buying questions
What credit score do I need to buy a house in Utah?
FHA loans can go as low as 580 with 3.5% down. Conventional loans generally start around 620, and the best pricing comes at 740+. We'll tell you where you stand on the first call.
Can I buy a house with no money down in Utah?
Yes. VA and USDA loans offer $0 down for eligible buyers, and some physician loans do too. Down payment assistance can cover most of the down payment on FHA and conventional loans.
How long does mortgage pre-approval take?
Usually 1–2 business days once we have your documents, and sometimes the same day.
Can I get a mortgage if I'm self-employed?
Yes. Full-doc loans work if your tax returns show enough income. If not, bank statement, 1099 and P&L programs qualify you on cash flow.
What's the difference between a mortgage broker and a bank?
A bank offers only its own loans. A broker shops many wholesale lenders for you, often with lower rates and more program options.
How much are closing costs in Utah?
Commonly 2–4% of the purchase price. Seller concessions and lender credits can reduce what you pay out of pocket.
Ready to see what you qualify for?
Talk with Nelson for 15 minutes. You'll leave with real numbers and a clear plan.