# First Home Utah

> Utah's first-time homebuyer specialist. Expert guidance, up to $30,000+ in down payment assistance, free consultations across the Wasatch Front. Licensed Utah real estate agent, #1 Century 21 Team in Utah 2019–2025.

Last updated: 2026-08-10
Author: Nickolas Stevens — Licensed Utah Realtor (DRE #13980555-SA00), #1 Century 21 Team in Utah 2019–2025. Profile: https://firsthomeutah.com/about

Full content for AI ingestion: https://firsthomeutah.com/llms-full.txt

## Services
- [FHA Loans in Utah](https://firsthomeutah.com/fha-loans-utah): 3.5% down, flexible credit requirements
- [Down Payment Assistance](https://firsthomeutah.com/utah-down-payment-assistance): Up to $30,000+ in grants
- [VA Loans Utah](https://firsthomeutah.com/va-loans-utah): Zero down for veterans
- [USDA Loans Utah](https://firsthomeutah.com/usda-loans-utah): Zero down for rural/suburban properties
- [Utah Housing Corporation Programs](https://firsthomeutah.com/utah-housing-corporation-programs): State-backed assistance
- [UHC Score Loan](https://firsthomeutah.com/utah-housing-corporation-score-loan): Built for 620–659 credit + full DPA
- [UHC NoMI Loan](https://firsthomeutah.com/utah-housing-corporation-nomi-loan): No mortgage insurance + full DPA
- [UHC HomeAgain Loan](https://firsthomeutah.com/utah-housing-corporation-homeagain-loan): Repeat-buyer program
- [SB240 New Construction Grant](https://firsthomeutah.com/sb240-new-construction-grant-utah): $20,000 true grant for new builds

## Service Area
- [Salt Lake County](https://firsthomeutah.com/salt-lake-county-homebuyer-grants)
- [Utah County](https://firsthomeutah.com/utah-county-homebuyer-grants)
- [Davis County](https://firsthomeutah.com/davis-county-homebuyer-grants)
- [Weber County](https://firsthomeutah.com/weber-county-homebuyer-grants)

## Key Resources
- [First-Time Buyer Guide 2026](https://firsthomeutah.com/blog/first-time-home-buyer-guide-2026)
- [Income Limits 2026](https://firsthomeutah.com/utah-first-time-home-buyer-income-limits)
- [Utah Mortgage Rates 2026](https://firsthomeutah.com/utah-mortgage-rates)
- [Utah Housing Market Stats](https://firsthomeutah.com/utah-housing-market)
- [About Nickolas Stevens](https://firsthomeutah.com/about)
- [FAQ](https://firsthomeutah.com/faq)

## Contact
- Phone: (801) 414-2212
- Email: nick.stevens@firsthomeutah.com
- Free consultation: https://firsthomeutah.com/#contact-form