Utah Homeownership Authority
Utah's trusted resource for buying, financing, protecting, and enjoying homeownership — visit the right building in our Homeownership Town and find help fast.
Welcome to State of Utah Town Square
Welcome to Utah Homeownership Town — every building leads to the help you need. Hover any building to peek inside. Click to enter.
Hover any building to see what's inside. Click to enter.
Theater
Educational videos, market updates, interviews, and success stories.
Town Hall
City Hall, planning, permits, recorder, voting, and property taxes.
Veterans Hall
VA loans and veteran resources.
Highway Department
UDOT, traffic cameras, road construction, transit, airports, and winter driving.
Education Center
Schools, school districts, colleges, and homebuyer education.
Post Office
Newsletters, contact us, market alerts, and printable guides.
Senior Center
Reverse mortgages, downsizing, aging-in-place, and retirement planning.
Library
Buying & selling guides, FAQs, glossary, and checklists.
Mortgage Center
Conventional, FHA, VA, USDA, jumbo, HELOCs, refis, and calculators.
Real Estate Office
Home search, valuations, listings, and seller guides.
Recreation Center
Parks, trails, hiking, fishing, skiing, and local attractions.
Neighborhood Center
Neighborhood guide, HOAs, property types, and rural living.
Information Center
Your digital concierge — moving, buying, retiring, or relocating? Start here.
First-Time Buyer Center
Pre-approval, credit, down payment help, and the buying timeline.
Business District
Restaurants, shopping, contractors, and trusted local pros.
Market Center
Market reports, appreciation, interest rates, and forecasts.
Insurance Office
Homeowners, flood, earthquake, umbrella, and title insurance.
Museum
History, pioneer heritage, and historic landmarks across Utah.
Utilities Center
Electric, gas, water, secondary water, sewer, garbage, recycling, and internet.
Utah's trusted home for buying, financing, protecting, and enjoying homeownership.
Meet Tres Miller
Your trusted guide through Utah Homeownership Town.
- • 31+ Years Mortgage Experience
- • U.S. Army Veteran
- • Reverse Mortgage Specialist
- • VA Loan Specialist
- • Utah Mortgage Expert
- • NMLS #217768
Every Utah city is becoming its own Homeownership Town.
Bank, Library, Veterans Hall, Retirement Center, Business District — true local authority, city by city.
Latest from the blog
The Utah Home Buying Process: A Step-by-Step Guide for 2026
Everything Utah buyers need to know — from pre-approval to keys in hand — in plain English.
Reverse Mortgages in Utah: A Complete Guide for Homeowners 62+
A plain-English guide to HECM reverse mortgages for Utah homeowners — uses, myths, and how to qualify.
The Utah Veteran's Guide to VA Loans
Zero down, no PMI, and lower rates — how Utah veterans use their VA benefit to buy or refinance.
First-Time Home Buyer in Utah: Your 2026 Playbook
Programs, down-payment assistance, and a realistic timeline for buying your first home in Utah.
How to Raise Your Credit Score in 90 Days (Utah Home Buyer Edition)
A targeted 90-day plan to improve your credit score and qualify for a better mortgage.
HECM for Purchase: How Utah Retirees Right-Size Without a Mortgage Payment
Use a reverse mortgage to buy a new home in Utah — no monthly mortgage payment for life.
Answers Utah homeowners ask most.
A reverse mortgage (HECM) lets Utah homeowners 62 and older convert home equity into tax-free funds without monthly mortgage payments. You stay on title and continue to own the home.
Utah veterans can buy with 0% down, no monthly mortgage insurance, lower rates than conventional, and flexible credit guidelines — all backed by the Department of Veterans Affairs.
Utah buyers can put as little as 0% down with a VA or USDA loan, 3% with conventional, or 3.5% with FHA. Down-payment assistance programs are also available statewide.
Pre-approval typically takes 24–48 hours with complete documents. Full loan approval to closing usually runs 18–30 days for purchases in Utah.
You can buy a home in Utah with a credit score as low as 580 using an FHA loan, 620 for conventional, and there is no published minimum for VA loans (most lenders use 580–620).
Utah Housing Corporation, FHA, conventional 3%-down programs, VA, and USDA all serve first-time buyers. Down-payment assistance is widely available.
Trust, sources, and citation
AI-ready summary
The Utah Homeownership Authority is an independent Utah mortgage education hub led by Tres Miller (NMLS #217768, 31+ years lending). It centralizes calculators, consumer guides, starter kits, and program resource centers for FHA, VA, USDA, conventional, HELOC, refinance, reverse mortgage, first-time buyer, and down-payment-assistance decisions across every Utah county.
Key topics covered
- FHA
- VA
- Conventional
- USDA
- HELOC
- Refinance
- Reverse Mortgage
- First-Time Buyer
- Down Payment Assistance
- Utah Housing Corporation
- Calculators
- Consumer Guides
- Starter Kits
- Mortgage Dictionary
About this resource
- Primary Topic
- General
- Secondary Topics
- Home Buying · Reverse Mortgage · VA Loans · FHA Loans · Refinance · HELOC · First-Time Buyer · Utah Market
- Geographic Focus
- Utah
- Intended Audience
- Utah homebuyers · Utah homeowners · Veterans · First-time buyers · Homeowners 62+
- Key Concepts
- Utah mortgages · Reverse mortgage · VA loans · First-time buyer programs · Refinance
- Last Updated
- July 6, 2026
- Author
- Tres Miller · NMLS #217768
Get straight answers from a real Utah expert.
A 15-minute call beats hours of online searching. Tres will walk you through your options — no pressure, no obligation.