FIND YOURDREAM HOMEIN UTAH
Expert guidance, up to $20,000 in 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.
✦ Our Mission
Why First Home Utah?
Most first-time buyers in Utah don't know how many programs exist to help them. Down payment assistance alone — up to $20,000 — changes the math for a lot of people. A home that felt three years away suddenly isn't. Our team is built specifically for this: the loan types that actually fit first-time buyer situations, the local programs most agents don't bother tracking, the Wasatch Front neighborhoods that are worth knowing. Every consultation is free. We don't make money unless you close.
✦ 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 →USDA Loans
Zero down payment for eligible rural and suburban Utah properties. No monthly PMI.
See USDA Loan Requirements →VA Loans
Exclusive homeownership benefits for veterans and active service members. Zero down, no PMI.
Explore VA Loan Benefits →Down Payment Aid
Access up to $20,000 through Utah's state and federal first-time buyer assistance programs.
Explore $20K Down Payment Help →✦ 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 $20,000 in 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 →✦ Real Client Stories
What Our Clients Say
"Nick was awesome!"
"Nick was awesome!"
"Nickolas was really helpful, understanding my schedule and my time."
"Nickolas went above and beyond for me. Would easily recommend him."
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Frequently Asked Questions
Common questions. Straight answers.
◆How much does your service cost?
Our consultation is 100% FREE!
Real estate commissions are usually covered by the seller through the transaction, meaning you typically get expert guidance, market knowledge, and negotiation skills at 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, down payment assistance programs offer up to $20,000 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 days once 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.