The Utah First-Time Homebuyer Consumer Guide
Coming soon
The complete first purchase handbook for Utah — credit, savings, programs, timelines, and the full home-buying process.
- 25 pages
- 30 min read
- Version 1.0.0
- Updated July 2026
- First-time buyers
This guide is in production. In the meantime, browse our Starter Kits or schedule a consultation.
Continue learning
Learn how FHA financing works, who qualifies, mortgage insurance, down payment requirements, refinancing, buying your first home, and how to decide whether FHA financing is right for you.
A comprehensive plain-English guide to Utah closing costs — buyer costs, seller costs, lender fees, title, escrow, prepaids, MI, VA funding fee, FHA UFMIP, and how to reduce your total cash to close.
How conventional (Fannie Mae / Freddie Mac) financing works in Utah — down payment tiers from 3% to 20%+, PMI mechanics and removal, loan limits, HomeReady and Home Possible programs, and when conventional beats FHA or VA.
Related Consumer Guides & Resources
Continue your research 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 Conventional Loan Consumer Guide
The complete conventional financing handbook for Utah buyers
- Consumer GuideThe Utah Down Payment Assistance Consumer Guide
Coming soon
- Consumer GuideUtah Closing Cost Guide
The consumer guide to Utah home-purchase closing costs
- Consumer GuideThe Utah Credit Improvement Consumer Guide
Coming soon
- Consumer GuideThe Utah New Construction Consumer Guide
Coming soon
- Starter KitFHA Loan Starter Kit
The FHA financing playbook for Utah buyers with lower credit or lower down payment — eligibility, MIP, loan limits, and the step-by-step process.
- Consumer GuideThe Utah VA Loan Consumer Guide
The complete VA financing handbook for Utah veterans
Educational only. This guide does not constitute legal, tax, or financial advice. Programs, guidelines, and limits change frequently — verify current terms with a licensed Utah mortgage professional. Serving Salt Lake, Utah, Davis, Weber, Cache, Washington, Tooele, and Summit counties.
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