The right home loan for the home you actually want.
Buying a home is a big decision — picking the loan shouldn't feel like a maze. We'll walk you through every program we offer, explain the trade-offs in plain language, and match you with the loan that fits your goals, your timeline, and your budget.
Explore our home buyer loans.
Each loan below is built for a different kind of buyer. Tap any program to see how it works, who it's best for, and the requirements to qualify.
Conventional Loans
Flexible, competitive financing for buyers with steady credit and savings — the most common loan type in the country.
Learn moreFHA Loans
Government-backed loans with low down payments and forgiving credit guidelines. A great fit for many first-time buyers.
Learn moreVA Loans
Zero-down financing and no monthly mortgage insurance for eligible Veterans, active-duty service members, and surviving spouses.
Learn moreUSDA Loans
100% financing in eligible rural and suburban areas — designed to make homeownership accessible outside city centers.
Learn moreJumbo Loans
Financing above conforming loan limits for higher-priced homes, with competitive rates and a straightforward process.
Learn moreConstruction Loans
Build from the ground up with flexible draws and a smooth transition into your permanent mortgage when the home is done.
Learn moreFirst-Time Home Buyer
Programs and guidance built around buyers purchasing their very first home — from pre-qualification to keys in hand.
Learn moreDown Payment Grants
State, local, and program-specific assistance that can help cover down payment and closing costs for qualifying buyers.
Learn moreLet's talk it through.
You don't have to figure out the right loan on your own. Tell us a little about your situation and we'll line up the best options side by side — no pressure, no jargon.
- Step-by-step pre-qualification
- Plain-language rate & payment breakdowns
- Side-by-side loan comparisons
- Local Utah expertise