Find the loan that fits

Conventional

The most common loan type, backed by Fannie Mae or Freddie Mac. Flexible terms for buyers with steady credit and income.

• Low to standard down payment
• Steady credit profile
• Best for: Steady credit and income

FHA

Insured by the Federal Housing Administration, with lower down-payment options and more flexible credit guidelines.

• Lower down payment options
• Flexible credit guidelines
• Best for: Lower down payment, flexible credit

VA

A benefit earned through military service: no down payment required for eligible buyers and no monthly mortgage insurance.

• No down payment (eligible buyers)
• Flexible credit guidelines
• Best for: Veterans, active duty, eligible spouses

USDA

Backed by the U.S. Department of Agriculture for eligible homes in qualifying rural and suburban areas.

• No down payment (eligible areas)
• Moderate credit guidelines
• Best for: Eligible rural and suburban homes

Jumbo

Financing for loan amounts above conforming limits, for higher-priced homes.

• Larger down payment typical
• Strong credit profile
• Best for: Loan amounts above conforming limits

First-Time Buyer

A guided path for your first home, including down-payment-assistance options where available.

• Assistance options where available
• Range of credit profiles
• Best for: Buying your first home

Refinance

Replace your current mortgage to adjust your term, or use a cash-out refinance to tap home equity.

• No down payment — equity-based
• Depends on the program
• Best for: Adjusting your loan or tapping equity

Adjustable-Rate (ARM)

A fixed introductory period followed by periodic adjustments — useful for shorter time horizons.

• Low to standard down payment
• Steady credit profile
• Best for: Shorter time in the home

Thinking about tapping your home's equity? Read how a cash-out refinance works in Utah.

Program availability and guidelines depend on your situation and current investor requirements. This is general information, not an offer to lend or a commitment to lend.