Chandler Perry.
Utah loan programs

Every Utah home loan,
in plain English.

Conventional, FHA, VA, USDA, jumbo, first-time buyer programs, Utah down payment assistance, and refinances. Same loan officer from your first question to closing day.

Conventional Loan
The classic, most flexible mortgage.

3% down options, no PMI paths, and the best rates for solid credit.

3%
Min down
620
Min credit
$806,500*
Max loan
FHA Loan
Lower credit, lower down payment.

3.5% down with credit scores as low as 580. Flexible debt-to-income limits.

3.5%
Min down
580
Min credit
Up to 56.99%
Max DTI
VA Loan
Zero down for those who served.

$0 down, no PMI, and the lowest rates available. Thank you for your service.

$0
Down payment
None, ever
PMI
Can be financed
Funding fee
USDA Loan
$0 down for rural and small-town Utah.

100% financing in eligible Utah areas. Great for buyers outside the Wasatch Front.

$0
Down payment
640
Min credit
Eligible areas only
Property type
Jumbo Loan
Loans above the conforming limit.

Loans from $806,501 and up. Park City, Holladay, and high-end Utah real estate.

10-20%
Min down
680
Min credit
6-12 months
Reserves
First-Time Buyer
Your first house. Done right.

Down payment assistance, first-time buyer programs, and patient answers to every question.

0-3.5%
Min down
Yes
DPA available
30-45 days
Process
Refinance
Lower payment. Cash out. Get rid of PMI.

Rate-and-term, cash-out, and FHA streamline refinances. Honest break-even math.

Lower payment
Rate & term
Tap equity
Cash-out
No appraisal
FHA streamline
Not sure which fits?

Let's figure it out together.

A 15 minute call and you'll know which Utah loan program fits your situation, what rate you actually qualify for, and what your monthly payment looks like. Reach me anytime at (385) 264-6572.

Get pre-approved Or call (385) 264-6572
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