Welcome — where should we send you first?
The Utah Homeownership Authority Visitor Center. Tell us your situation, or search anything, and we'll route you to the right guide, calculator, or expert.
Pick your path
Buying your first Utah home
Start with the First-Time Buyer Resource Center — programs, down payment help, and step-by-step buying path.
3.5% down FHA financing
Low down payment FHA loans for buyers with flexible credit needs.
Zero-down VA home loans
COE, entitlement, funding fee, IRRRL — everything a Utah veteran needs.
Reverse mortgage in Utah
HECM reverse mortgages — convert home equity into retirement cash flow without a monthly mortgage payment.
HELOC in Utah
Revolving home equity lines of credit for existing Utah homeowners.
Refinance your Utah mortgage
Rate/term and cash-out refinance — with break-even math and payoff comparisons.
Home Affordability Calculator
See what you can afford — compare FHA, VA, Conventional, and USDA side by side.
Utah Mortgage Glossary
200+ plain-English definitions covering every mortgage term.
Consumer Guides Library
Publication-style PDF guides for every major Utah mortgage topic.
Utah city resource centers
Local mortgage, market, and moving intel for every covered Utah city.
Prefer to talk to a human?
Tres Miller is a Utah mortgage banker (NMLS #217768) with 20+ years of experience. Real answers, no pressure.
About this resource
- Primary Topic
- General
- Secondary Topics
- Home Buying · First-Time Buyer · Reverse Mortgage · VA Loans · FHA Loans
- Related Mortgage Programs
- FHA · VA · USDA · Conventional · HELOC · Refinance · Reverse Mortgage
- Geographic Focus
- Utah
- Intended Audience
- First-time buyers · Move-up buyers · Refinancers · Homeowners 62+ · Veterans
- Key Concepts
- Utah Concierge · Visitor Center · Guided routing · Mortgage education
- Author
- Tres Miller · NMLS #217768
Ready to take the next step?
Talk to Tres — straight answers, real options, no pressure.