Utah Home Purchase Loans

Buy your Utah home with a pre-approval sellers trust.

FHA, VA, conventional, USDA and first-time homebuyer loans from an independent mortgage broker in Clearfield. We shop wholesale lenders for your best rate and fees, and our pre-approvals help buyers win in competitive Utah markets.

Get Pre-Approved →Call (801) 923-2161

Why buyers choose UIMC

  • Earnest money guarantee up to $5,000 on our pre-approvals
  • 21-day closing guarantee with our platinum pre-approval
  • Grant funds and $0-down options for qualified buyers

Home loan programs for Utah buyers

The right loan depends on your credit, income, down payment and the home you're buying. We'll walk you through every program you qualify for:

  • Conventional loans with as little as 3% down for qualified buyers, and no mortgage insurance at 20% down.
  • FHA loans with 3.5% down and flexible credit guidelines, popular with first-time buyers.
  • VA loans with no down payment and no monthly mortgage insurance for eligible veterans and service members. Hill Air Force Base is minutes from our Clearfield office.
  • USDA loans with 100% financing for eligible rural properties.
  • Utah Housing and down payment assistance programs that can help cover upfront costs.
  • Construction, renovation and self-employed loans through our full range of services.

First-time homebuyer in Utah?

You don't need 20% down or perfect credit to buy. FHA guidelines can allow scores as low as 580 with 3.5% down, and some programs offer down payment assistance or $0 down. We're teachers, not salespeople: we'll explain your options in plain English and build a plan to get you mortgage-ready.

Why get pre-approved with an independent broker?

A strong pre-approval tells sellers your financing is solid. Ours has helped buyers and their agents win bidding wars, and we guarantee your earnest money up to $5,000 when you rely on our pre-approval. As an independent Utah mortgage broker, we compare lenders for you instead of offering a single bank's rate sheet, and Nelson attends your closing to make sure everything matches what you were promised.

Free consultation

We review your goals, credit, income and down payment.

Pre-approval

Often within one business day once documents are in.

Lock your loan

We shop lenders for your best rate and fees.

Get the keys

Fast, low-stress closing with Nelson at the table.

Utah home buying FAQs

How much do I need for a down payment in Utah?

It depends on the program: as little as 3% on some conventional loans, 3.5% with FHA, and potentially 0% with VA or USDA. On a $550,000 home, 5% down is $27,500.

What credit score do I need to buy a house in Utah?

FHA guidelines can allow scores as low as 580 with 3.5% down. Conventional loans usually require higher scores, and Utah Housing programs generally start at 620 to 680 depending on the program.

How long does pre-approval take?

Often within one business day if your documents are ready: recent pay stubs, W-2s or tax returns, bank statements and ID.

How long does it take to close on a home in Utah?

Most Utah purchases close in about 30 to 45 days. Buyers who complete our platinum pre-approval qualify for our 21-day closing guarantee.

Ready to start house hunting?

Get pre-approved with Nelson. Serving Clearfield, Layton, Kaysville, Farmington, Ogden and all of Davis, Weber and Salt Lake counties.