Buying a Home - Utah mortgages, down payment assistance and first time home buyer grants for buying Utah real estate.

Research the available Utah mortgages and home loan programs for buying Utah real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Utah real estate. 

• Government grants for buying a home

• Down payment assistance 

• Bad credit loans for buying a home

• Mortgages and Home Loans

• Mortgage Calculator
  
  
• Search Utah Real Estate Listings

Government grants for buying a home

Here are some links for government grants for buying a home in Utah.

Utah Housing Corporation has some great programs which when combined with FHA loans are a great asset to Utah homebuyers - (801) 521-6950. http://www.utahhousingcorp.org

FirstHome program - helps first time home buyers get lower interest rates thereby, helping home buyers obtain lower monthly mortgage payments http://www.utahhousingcorp.org

FirstHome Plus program - for low income Utah residents, offers the same low interest rate as the FirstHome program, but also offers down payment and closing cost assistance 
http://www.utahhousingcorp.

Local Non-profit Home Purchase Programs

Community Development Corporation of Utah, (801) 942-7222
http://www.slcdc.org

Habitat for Humanity, Brigham City, (435) 723-7133

Habitat for Humanity, Cedar City, (435) 586-3038

Habitat for Humanity, Logan, (435) 752-8419

Habitat for Humanity, Wasatch County, (435) 658-1400 http://www.xmission.com/%7Ehabitat/

Habitat for Humanity, Weber, Davis County, (801) 475-9821

Habitat for Humanity, Castle Country, (435) 636-3230

Habitat for Humanity, Southwest Utah, (435) 674-7669 http://www.habitat-swu.org

Habitat for Humanity, Salt Lake Valley, (801) 263-0136 http://www.habitatsaltlake.com

Habitat for Humanity, Summit County, (435) 658-1400 http://www.xmission.com/%7Ehabitat/

Habitat for Humanity, Utah County, (801) 344-8527

Provo Neighborhood Housing Services, (801) 375-5820

Salt Lake Neighborhood Housing Services, (801) 539-1590 http://www.slnhs.org/

Grant Programs

Some cities occasionally have grant programs available to benefit low income and first time homebuyers. Contact information for participating local government offices is listed here:

Ogden City

Ogden City Neighborhood Development Division
(801) 629-8940

Provo City

Redevelopment Agency
(801) 852-6160

Rural Utah Counties
Community Development Corporation of Utah
(801) 994-7222

Salt Lake City

Housing and Neighborhood Development
(801) 535-7228

Salt Lake County Unincorporated
Economic Development and Community Services
(801) 468-3246

St. George

Color Country Community Housing Services
(435) 673-3131

Taylorsville City

City of Taylorsville
(801) 963-5400

Utah County

Housing Services of Utah Valley
(801) 223-9422

West Jordan City

Economic Development
(801) 569-5062

West Valley City

West Valley Housing Authority
(801) 963-3320

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Utah.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Utah or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

• bankruptcy in the last 2 years

• foreclosure in the last 3 years

• low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Utah.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
   
2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
   
3. Each time you change a value hit "Calculate Now" to see what the effect is. 

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Utah Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Utah real estate of homes for sale.

Complete the form below for direct access to the following types of Utah real estate listings:

• Utah Real Estate Listings and MLS
• Utah HUD Homes
• Utah For Sale By Owner Homes
• Utah New Homes for Sale
• Utah Foreclosure Homes for Sale

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