First-Time Home Buyers
Buying your first home is exciting, but it can also feel overwhelming. You may be wondering how much you can afford, what loan programs you qualify for, or where to even begin. My job is to give you clear answers and guide you through each step so you feel confident instead of stressed.
Loan Programs for First-Time Buyers in Utah
There are several loan options that make homeownership more accessible:
- FHA Loans – Low down payment, flexible credit requirements.
- Conventional 3% Down Loans – Rewards stronger credit with lower monthly costs.
- Utah Housing Loans – State-backed programs that help cover down payment and closing costs.
- USDA Loans – Zero down for eligible rural areas.
- VA Loans – Available to veterans and active-duty service members, often with no down payment.
I walk you through each program, explain the pros and cons, and help you understand which one fits your budget and long-term plans.
What to Expect in the Process
- Get Pre-Approved – Know what you can afford and strengthen your offer.
- Explore Homes in Your Budget – Search with confidence, knowing your price range.
- Make an Offer – Use a strong pre-approval letter to stand out.
- Inspection and Appraisal – Confirm the home’s condition and value.
- Close and Move In – Sign the final paperwork and get your keys.
With the right plan, the process becomes clear and manageable.
Why Work With Me
Over nearly three decades, I’ve guided thousands of first-time buyers through this same process. I explain everything in plain language, answer your questions as they come up, and make sure you understand every decision before moving forward.
Ready to Take the First Step?
You don’t need to know all the answers before you begin—that’s why I’m here. Book an appointment, send me your questions, or start your pre-approval today. Together we’ll make your first home purchase a success.
First-Time Home Buyer FAQs
The first step is getting pre-approved for a mortgage. This gives you a clear budget, shows sellers you're serious, and helps you understand the loan options available before you start shopping.
That depends on the loan program. FHA loans require as little as 3.5% down, conventional loans may allow 3% down, and Utah Housing loans can cover your down payment entirely if you qualify.
Yes. Utah Housing Corporation offers multiple programs for down payment and closing cost assistance, including FirstHome, HomeAgain, and Score programs that can offer up to 6% of your loan amount.
Yes. Utah’s First-Time Homebuyer Assistance Program for new construction offers up to $20,000 in zero-interest, deferred loans for qualified buyers purchasing newly built homes.
Yes. Utah Housing offers a $2,500 grant for veterans or active-duty service members who haven’t owned a home in Utah in the past seven years and meet income requirements.
Yes. Most Utah Housing programs—including FirstHome, HomeAgain, Score, and local city programs—require a homebuyer education course before closing.
Most programs require at least a 620 credit score for conventional loans. For Utah Housing programs, credit needs range from 620 to 700 depending on the loan type.
Affordability depends on your income, debts, credit score, and the loan program you choose. I’ll work with you one-on-one to run real scenarios so you know what your payment will look like.
Yes. If you qualify for programs like USDA, VA, or certain Utah Housing loans, you may be able to buy with zero down payment.
The timeline from pre-approval to closing typically runs 30 to 45 days once your offer is accepted.