Finance a Home

Utah mortgage programs, fitted to your file.

Every major loan program — quoted on your actual credit, income, and goals.

Conventional

3–20% down. Best for stronger credit (680+). PMI removable at 20% equity.

FHA

3.5% down with a 580 score. Lifetime MIP in most cases — best for rebuilding credit.

0% down, no PMI, lower rates for eligible Utah veterans.

USDA

0% down in eligible rural Utah areas.

Jumbo

Loans above ~$806,500 (2025). Park City, foothills, luxury St. George.

HELOC / Cash-Out Refi

Tap home equity for renovations, debt consolidation, or investment.

Reverse Mortgage (62+)

Eliminate your mortgage payment and unlock equity tax-free.

Bank-Statement & 1099

Alternative-income programs for self-employed Utah borrowers.

Why Utah borrowers choose TRES

Custom-priced quotes. No bait-and-switch teaser rates.
Honest lock advice. We model lock vs. float with real math — not pressure.
Complex-file experience. Self-employed, retired, asset-rich, jumbo — we close them.

Talk to TRES — straight answers, real options, no pressure.