Most Popular Utah Home Loan Types

Conventional Loan

Conventional loans in Utah are home loans that are not issued or guaranteed by the government.  Conventional loans are issued by private lenders.  Conventional loans can be used for primary residences, second homes, and investment properties.  Conventional loans have occupancy stats requirements, loan to value requirements, and credit score requirements.


FHA or the Federal Housing administration is a loan option available in Utah.  FHA does not provide any funding for Utah home loans; instead, they guarantee your home loan in the event of a default.  FHA insuring a home loan allows lenders the ability to provide loans with confidence. 


VA or Veterans Affairs home loans are a benefit to active and honorably discharged military or National Guard.  Utah VA home loans are provided by The Department of Veterans Affairs.  There are several other benefits to Utah VA loans that you can read here.  (This will be another page on the site to come soon)

USDA or Rural Housing

USDA or Rural Housing home loans in Utah are available in “rural areas.”  USDA home loans are meant to help low and moderate income families.  USDA home loans in Utah are only available in areas off the Wasatch Front (with a few other areas excluded).  Click here to see the areas in Utah where you may be eligible for a USDA home loan.  (again a post that will be on our site)