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FINDING THE RIGHT FINANCING
We partner with trusted local lenders to help you find the best loan products for your situation. Here are common options for Southern Utah buyers.
Conventional Loan
The most common loan type, ideal for buyers with good credit and a down payment of 5–20%. No upfront mortgage insurance required with 20% down.
Down Payment | 5–20%
Credit Score | 620+ recommended
Loan Limit | Up to $766,550
Credit Score | 620+ recommended
Loan Limit | Up to $766,550
FHA Loan
Government-backed loan ideal for first-time buyers or those with lower credit scores. Requires as little as 3.5% down with a 580+ credit score.
Down Payment | 3.5% minimum
Credit Score | 580+ (500 with 10%)
Mortgage Insurance | Required
Credit Score | 580+ (500 with 10%)
Mortgage Insurance | Required
VA Loan
Exclusively for veterans, active-duty service members, and eligible spouses. No down payment required and no private mortgage insurance.
Down Payment | 0% required
Credit Score | 620+ recommended
PMI | None required
Credit Score | 620+ recommended
PMI | None required
BRANDON HANSEN
Branch Manager & Loan Officer | Guild Mortgage
435-668-2840
bhansen@ccmclending.com
Cherry Creek Mortgage Co.
1224 S River Rd. Ste A-106
Lender | 283559