The 90-Day Utah Mortgage Readiness Checklist
A month-by-month plan to get credit, cash, and documents mortgage-ready before you write an offer in Utah.
About this worksheet
A printable, three-block checklist that sequences the ninety days before a Utah home purchase: credit cleanup and baseline in days 1–30, documents and program fit in days 31–60, and offer readiness in days 61–90. Includes fill-in fields for income, debts, reserves, and a full estimated monthly payment.
Who it's for
- Utah buyers planning a purchase in the next three to six months
- First-time buyers repairing credit before pre-approval
- Buyers who were told to 'come back in a few months'
- Renters preparing for their first lender conversation
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Frequently asked questions
Frequently Asked Questions
Related resources
Continue learning
Guides, calculators, and resource centers that pair with this worksheet.
- Consumer GuideThe Utah Credit Improvement Consumer Guide
Build stronger credit for better mortgage opportunities
- Consumer GuideThe Utah First-Time Homebuyer Consumer Guide
Everything You Need to Know Before Buying Your First Home
- Consumer GuideThe Utah FHA Loan Consumer Guide
Everything Utah buyers need to understand FHA financing
- Consumer GuideUtah Closing Cost Guide
The consumer guide to Utah home-purchase closing costs
- Consumer GuideThe Utah Conventional Loan Consumer Guide
The complete conventional financing handbook for Utah buyers
- Consumer GuideThe Utah New Construction Consumer Guide
A step-by-step guide to buying a newly built home in Utah
- Consumer GuideThe Utah Down Payment Assistance Consumer Guide
Grants, forgivable loans, and buyer eligibility across Utah
- Resource CenterUtah Credit Score Resource Center
Credit score guide for Utah buyers — what mortgage lenders see, how to improve, and how scores affect rate and PMI.
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Educational only. This worksheet does not constitute legal, tax, or financial advice. Programs, guidelines, and limits change frequently — verify current terms with a licensed Utah mortgage professional. Mortgage services provided by Tres Miller, NMLS #217768.
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