Buy a Home

Buying a home in Utah is one of the biggest financial steps you will take, and it comes with a lot of questions. Where do you start? How much can you afford? Which loan programs fit your situation? My job is to make sure you have clear answers before you move forward.

Whether this is your first home, your next home, or even a vacation or rental property, the path to buying can feel overwhelming if you try to figure it out on your own. I walk you through the options, explain what each step means, and help you choose a loan that matches both your budget and your long-term goals.

What You’ll Find Here

• First-Time Buyers: Learn about programs like FHA, Conventional 3%, and Utah Housing that can make your first purchase more affordable.
• Buying Your Next Home: See how to use equity, compare selling vs renting, and explore financing options for move-up buyers.
• Loan Programs: Explore conventional, FHA, VA, USDA, jumbo, and specialty loans to find the right fit for your situation.
• Tools & Resources: Use calculators, checklists, and step-by-step guides to plan your next move with confidence.

Why Work With Me

I’ve guided Utah families through the home buying process for nearly three decades. My goal is simple: keep the process clear, match you with the right loan, and help you move into your new home with confidence.

When you are ready, you can schedule a quick call, run numbers with me, or jump straight into a pre-approval. The first step is simple—reach out and let’s see what’s possible for you.

Overview of the Homebuying Process

Buying a home can feel like a maze if you have never been through it, but the steps are more straightforward than most people think. Here’s a clear look at how the process usually works in Utah:

1. Get Pre-Approved: A pre-approval shows you what you can afford and gives sellers confidence in your offer. We review your income, credit, and savings to set a realistic budget.
2. Find the Right Home: Work with your real estate agent to look at homes that fit your price range and needs. Knowing your financing in advance makes this part much less stressful.
3. Make an Offer: Once you find the right home, your agent helps you submit an offer. A strong pre-approval letter from me can make your offer stand out.
4. Inspection and Appraisal: After your offer is accepted, the home will be inspected and appraised. These steps confirm that the home is in good shape and that the value matches the purchase price.
5. Finalize Your Loan: We collect any final documents, lock in your interest rate, and prepare everything for closing. You will always know what’s needed and when.
6. Close and Get the Keys: On closing day, you sign the final paperwork and officially become the owner of your new home.

Buying a home is a big step, but when the process is explained clearly, it becomes much more manageable. My job is to keep you prepared and confident at every stage.