Programs Built for First-Time Buyers
- Utah Housing Corporation (UHC) — FirstHome, HomeAgain, Score, NoMI; several with down-payment assistance
- FHA — 3.5% down with a 580 score
- Conventional 3% down — for stronger credit
- VA — 0% down for eligible veterans
- USDA — 0% down in eligible rural Utah areas
Your Timeline
60–90 days out: clean up credit, stop opening new accounts, document income.
30 days out: get pre-approved.
0–30 days: tour, offer, inspections, close.
Common First-Time Mistakes
- Shopping before pre-approval
- Changing jobs during the loan
- Making large deposits underwriters can't source
- Skipping the inspection
Call 435-229-9797 or schedule a 30-minute strategy call.
Related Consumer Guides & Resources
Continue learning with related Utah consumer guides, calculators, and resource centers.
- Consumer GuideThe Utah FHA Loan Consumer Guide
Everything Utah buyers need to understand FHA financing
- Consumer GuideThe Utah VA Loan Consumer Guide
The complete VA financing handbook for Utah veterans
- Consumer GuideThe Utah Reverse Mortgage Consumer Guide
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- Consumer GuideThe Utah Refinance Consumer Guide
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- Consumer GuideUtah Closing Cost Guide
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- Consumer GuideUtah Mortgage Terms Dictionary
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- Consumer GuideThe Utah Self-Employed Borrower Consumer Guide
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