FHA Loan. Lower credit, lower down payment.
3.5% down with credit scores as low as 580. Flexible debt-to-income limits.
FHA loans are insured by the federal government, which lets lenders work with lower credit scores and higher debt loads. For a lot of first-time buyers in Utah, FHA is what makes the math work. I'll show you the trade-offs honestly so you know what you're signing up for.
Is the FHA loan right for you?
- First-time buyers with credit scores 580-680
- Buyers with higher debt-to-income ratios
- Anyone using a family gift for the down payment
- Buyers who've had a past bankruptcy or short sale
From quote to keys. No mystery.
I check whether FHA actually beats conventional for your numbers.
No score impact. I confirm your tier and pricing.
FHA pre-approvals carry real weight with Utah sellers.
I keep the file moving so you hit your closing date.
FHA loan questions.
Not the right fit? Try one of these.
3% down options, no PMI paths, and the best rates for solid credit.
Learn more$0 down, no PMI, and the lowest rates available. Thank you for your service.
Learn more100% financing in eligible Utah areas. Great for buyers outside the Wasatch Front.
Learn moreLoans from $806,501 and up. Park City, Holladay, and high-end Utah real estate.
Learn moreReady when you are.
Pre-approval takes about 15 minutes. No fees, no obligation, no spam. Just a real loan officer running the numbers with you.