Utah Housing Loans

A variety of $0 down home loan options for first-time and repeat Utah homebuyers.

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Question:

Question:

Are you a Utah resident looking for a creative way to achieve 100% financing?

CONSIDER A UTAH HOUSING LOAN

Utah Housing Corporation (UHC) loans allow an eligible borrower to borrow all or a portion of their down payment and closing costs. Established by the Utah Legislature in 1975, Utah Housing was created to provide safe and decent housing for low and moderate income families. It is the #1 down payment assistance program in Utah. The program offers options for buyers needing help with down payment and closing costs.

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FACTS

Minimum Credit Score:

620

Minimum Down Payment:

0%

Max Debt-to-Income:

50%

Max Loan Amount:

$762,450*

Available for:      Primary Residences    

QUICK
FACTS

Minimum Credit Score:

620

Minimum Down Payment:

0%

Max Debt-to-Income:

50%

Max Loan Amount:

$762,450*

Available for:

  Primary Residences

TYPES OF UTAH HOUSING LOANS

Utah Housing loans are a 2nd mortgage that work in tandem with an FHA, Conventional, or VA loan and allow a Utah borrower to borrow additional funds for their down payment and closing costs. Explore the 4 unique Utah Housing loan programs here:

Amortization Options:

Score Loan

100% financing loan option for first-time or repeat Utah homebuyers with credit challenges.

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NoMI Loan

Avoid private mortgage insurance and access 100% financing with this innovative Utah loan program.

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HomeAgain Loan

A versatile 100% financing option for repeat and first-time Utah homebuyers.

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First Home Loan

100% financing with a low interest rate specifically designed for first-time Utah homebuyers

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  • Loan Limits differ by county. The maximum loan amount indicated on this page is for designated high-cost counties. You can look up the loan limit for your county by following this link. Any loan amount exceeding $484,350 on a single-family home is considered a High Balance Home Loan and is subject to additional qualification guidelines. Utah Housing loans are subject to income and purchase price limits. Northpointe Bank is a participating lender for the Utah Housing Corporation (UHC). Consult with your Team 101 at Northpointe Bank loan officer for details.

Is a Utah Housing Loan Right for You?

Fill out this questionnaire to see if we can help you achieve your homeownership goals with a Utah Housing Loan.

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CALL US NOW           804.724.LOAN       OR GET IN TOUCH ONLINE       
CONTACT US

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CALL US NOW

   804.724.LOAN

GET IN TOUCH ONLINE

CONTACT US

Utah Housing Loans are available in the following States: Utah

Special Offers and Programs

Updated

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Why Choose ?

LOW RATES

We offer some of the lowest mortgage rates in the industry, along with truly innovative, tailored programs.

GREAT SERVICE

Our mission: client-focus. As your personal lender, we value listening and delivering on what is most important to you.

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Move into your new home sooner. Time saved plus low rates equals more savings for you.