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Frequently Asked Questions
Straight answers from a broker who lives educating first-time buyers.
How much down payment do I need in Utah?
Many first-time buyer programs require as little as 3% down for conventional loans or 3.5% for FHA. Utah Housing programs can even help cover part of your down payment. We'll walk you through every option.
Can I get pre-approved before finding a house?
Absolutely! In fact, we recommend it. Our Platinum Pre-Approval means your loan is fully underwritten before you shop, giving you a massive advantage in competitive markets.
What programs help first-time buyers in Utah?
Utah Housing offers down payment assistance, below-market rates, and tax credits for qualified buyers. We also work with FHA, VA, USDA, and conventional programs to find the best fit for you.
How long does the mortgage process take?
With our 21-Day Platinum Pre-Approval Closing Guarantee, qualified buyers can close in as few as 21 days. Most of our closings happen within 3-4 weeks.
What's the difference between a broker and a bank?
A bank can only offer their own products. As an independent broker, we shop dozens of wholesale lenders to find YOU the lowest rate and fees — saving you thousands.
What is the Earnest Money Guarantee?
If we issue a Platinum Pre-Approval and can't close your loan for any reason within our control, we'll cover your earnest money deposit. That's our promise.
How much down payment do I need in Utah?
Many first-time buyer programs require as little as 3% down for conventional loans or 3.5% for FHA. Utah Housing programs can even help cover part of your down payment. We'll walk you through every option.
Can I get pre-approved before finding a house?
Absolutely! In fact, we recommend it. Our Platinum Pre-Approval means your loan is fully underwritten before you shop, giving you a massive advantage in competitive markets.
What programs help first-time buyers in Utah?
Utah Housing offers down payment assistance, below-market rates, and tax credits for qualified buyers. We also work with FHA, VA, USDA, and conventional programs to find the best fit for you.
How long does the mortgage process take?
With our 21-Day Platinum Pre-Approval Closing Guarantee, qualified buyers can close in as few as 21 days. Most of our closings happen within 3-4 weeks.
What's the difference between a broker and a bank?
A bank can only offer their own products. As an independent broker, we shop dozens of wholesale lenders to find YOU the lowest rate and fees — saving you thousands.
What is the Earnest Money Guarantee?
If we issue a Platinum Pre-Approval and can't close your loan for any reason within our control, we'll cover your earnest money deposit. That's our promise.