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Home Loans in Utah for Every Life Stage
Explore home loan options tailored to your journey — from first-time buyer to retirement-ready. Utah’s mortgage solutions grow with you
Find the Right Mortgage for Where You Are in Life
Whether you’re buying your very first home, moving into something smaller, or leveraging equity in retirement — the right mortgage can make your goals more attainable.
Utah offers a variety of loan programs designed to meet you where you are in life, from low-down FHA loans to flexible cash-out options for seasoned homeowners.
First-Time Homebuyer Loans in Utah
Buying your first home is a major milestone and Utah has programs to help make it easier and more affordable.
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3.5% down payment required
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Flexible credit and income requirements
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Upfront and monthly mortgage insurance is required for the life of the loan.
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Well-suited for first-time homebuyers and renters seeking to transition into homeownership.
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Lower barriers to entry compared to conventional loans
- Down payment assistance grants and second loans
- Mortgage credit certificate (MCC) for tax savings
Loans for Downsizing Homeowners
If your kids are grown or you’re ready for less maintenance, downsizing is a powerful financial move. We help Utah homeowners transition easily with:
- Low rates for well-qualified borrowers
- Easier to close with home equity from your sale
- Loan to Values over 80% require Private Mortgage Insurance
- Tap into your current home equity before selling
- Use the funds as a large down payment on your next place
Baby Boomers & Retirees: Use Equity Wisely
You’ve spent decades building equity. Now it can work for you.
Common Uses for Older Borrowers
- Remodels for aging in place
- Medical or long-term care costs
- Helping children buy homes or pay off debt
Which Loan Is Right for Your Stage?
| Life Stage | Best Loan Options | Key Benefits |
|---|---|---|
| First-Time Buyer | USDA, FHA, Utah Housing, Conventional | Low down payment, flexible credit |
| Downsizing | Conventional, Cash-Out Refi | Leverage sale proceeds or equity |
| Retired/Boomer | Cash-Out Refi, HELOC, Reverse (optional) | Fund medical, remodel, or support family |
Stories from Utah Families
FAQs About Life-Stage Loans
Are there income limits for first-time buyer loans?
Some Utah programs do have limits, but many options are available without income restrictions.
Can I use a loan to buy before I sell?
Yes. Bridge loans and equity refinances may allow you to buy first, sell later.
What if I’m retired with no job income?
We can qualify you based on retirement income, Social Security, or even asset depletion models.
Explore Other Loan Services
We offer more than just cash-out refinance options. Explore our full suite of lending solutions built for Utah homeowners and new residents alike:
Whether you’re tapping equity through cash-out refinance loans in Utah or starting fresh with a home relocation loan, our expert team is here to help.
Let Us Match You With the Right Loan
We’ll help you navigate your unique stage of life with mortgage solutions that reduce stress and maximize your financial position.