FIRST-TIME HOME BUYER IN UTAH
Expert guidance, up to $30,000+ in stacked down payment assistance, and a team that only succeeds when you get the keys.
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We'll answer every question. No pressure, ever.
✦ Real Client Stories
What Our Clients Say
✦ Our Mission
Why First Home Utah?
Most first-time buyers in Utah leave money on the table, and never even know it. There's up to $30,000+ in stacked down payment assistance sitting unclaimed, because the programs are buried, the rules shift, and most agents don't bother tracking them. We do. The home you thought was three years away? It might already be in reach. We know the loan types built for first-time buyers, the local programs nobody advertises, and the Wasatch Front neighborhoods actually worth your money. Every consultation is free. We don't get paid until you get the keys.
✦ Loan Programs We Offer
Every path to homeownership, covered.
FHA Loans
As low as 3.5% down with flexible credit requirements. The most popular choice for first-time buyers.
Learn About FHA Loans →VA Loans
Exclusive homeownership benefits for veterans and active service members. Zero down, no PMI.
Explore VA Loan Benefits →USDA Loans
Zero down payment for eligible rural and suburban Utah properties. No monthly PMI.
See USDA Loan Requirements →Down Payment Aid
Access up to $30,000+ by stacking Utah Housing Corporation, county grants, and the SB240 new construction grant.
Explore $30K+ Down Payment Help →✦ Explore by City
First-time buyer guides for your Utah city.
Salt Lake City
Programs, median prices, and Own in Salt Lake County grants for SLC first-time buyers.
Salt Lake City Buyer Guide →Provo
Utah County DPA and the Loan to Own program for first-time buyers in Provo.
Provo Buyer Guide →Ogden
Weber County programs plus the Own in Ogden grant for buyers in northern Utah.
Ogden Buyer Guide →Layton
Davis County assistance up to $50,000 for first-time buyers in the Layton area.
Layton Buyer Guide →West Jordan
Salt Lake County grants and UHC programs for first-time buyers in West Jordan.
West Jordan Buyer Guide →Clearfield
Davis County and Hill AFB corridor programs for first-time buyers in Clearfield.
Clearfield Buyer Guide →Tooele
First-time buyer programs and USDA-eligible areas for buyers in Tooele County.
Tooele Buyer Guide →✦ Why First Home Utah
What We Do For You
Local Expertise
We've worked every corner of the Wasatch Front. We know which builders cut corners, which zip codes are overpriced, and where the better deals tend to show up.
See market stats →Down Payment Help
Up to $30,000+ in stacked grants and deferred loans, programs most buyers never hear about. We find everything you qualify for before we start looking at homes.
Get Free DPA Analysis →End-to-End Support
We handle the lenders, the paperwork, the negotiations, and whatever comes up. You don't need to already know how this works. That's what we're here for.
See the Full Process →✦ Free Tool
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Down Payment Help Available
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Want to see what you actually qualify for?
Frequently Asked Questions
Common questions. Straight answers.
◆How much does your service cost?
Our consultation is 100% FREE!
A buyer's agent commission is usually covered by the seller, though it's negotiable, so you typically get expert guidance, market knowledge, and negotiation skills at little to no cost to you.
There's absolutely no obligation to buy, and you can stop working with us at any time. Your free consultation comes with zero pressure and expert advice tailored to your situation.
◆How much do I need for a down payment?
You may need as little as 3–3.5% down, or nothing with VA or USDA. Most people assume the number is 20%, it's usually not that.
On top of that, stacked down payment assistance programs offer up to $30,000+ in grants and deferred loans for qualified buyers. A lot of buyers we work with close faster than they expected once they see what they actually qualify for.
During your free consultation, we'll go through your specific situation and find every program that applies.
◆How long does it take to buy a home?
The typical timeline from start to closing is 30-45 daysonce you're under contract, but the entire process depends on your unique situation:
- Pre-approval: 1-3 days
- House hunting: 2-8 weeks (varies by market and preferences)
- Offer to acceptance: 1-7 days
- Under contract to closing: 30-45 days
We've closed in 21 days when someone needed to move fast. Forty-five is more realistic for most people. Either way, we'll keep you posted.
◆What are the next steps after I contact you?
Here's exactly what happens:
- Schedule your free 30-minute consultation - We'll discuss your goals, timeline, and budget
- Get pre-approved - We'll connect you with trusted lenders who offer competitive rates
- Identify assistance programs - We'll find all grants and programs you qualify for
- Start your home search - We'll send you listings matching your criteria
- Tour homes - We'll schedule showings and guide you through each property
- Make an offer - We'll negotiate the best terms on your behalf
- Close on your home - We'll manage the process from contract to keys in hand
Ready to get started? Schedule your free consultation above!
◆What credit score do I need to buy a home?
The minimum credit score varies by loan type:
- FHA loans: As low as 580 (or even 500 with 10% down)
- Conventional loans: Typically 620+
- VA loans: No minimum (for qualified veterans)
- USDA loans: Typically 640+
A lower score doesn't automatically rule you out. FHA goes down to 580, and some lenders go lower. If credit is the issue, we'll tell you exactly what moves the needle, most buyers get there faster than they expect.
◆What areas do you serve in Utah?
We serve the greater Wasatch Front, specializing in Salt Lake, Utah, Davis, Weber, and Tooele Counties, with deep expertise throughout the region.
Salt Lake & Utah Counties: South Jordan, Daybreak, Draper, Riverton, Herriman, West Jordan, Sandy, Midvale, Murray, Taylorsville, West Valley, Lehi, American Fork, Pleasant Grove, Orem, Provo
Davis County: Bountiful, Centerville, Farmington, Kaysville, Layton, Syracuse, Clearfield
Weber County: Ogden, Roy, South Ogden, North Ogden, Pleasant View
Tooele County: Tooele, Grantsville, Stansbury Park
We know these areas well enough to tell you which streets are worth it and which aren't. Not on the list? Just ask, we'll give you a straight answer.