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FHA Loans in Utah

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We’ll work hard to get you the financing you need!

An FHA home loan is one of the most accessible programs available to borrowers! It’s a common misconception that you must have top notch credit to be able to own a home. UFirst Credit Union is here to help you fulfill your dream of owning a home.

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What is an FHA Home Loan? 

Did you know there are a wide variety of programs available to borrowers to help them buy a home? FHA loans are mortgages insured by the Federal Housing Administration, which is part of the U.S. Department of Housing and Urban Development (HUD). FHA mortgage loans offer benefits such as:

  • Less prohibitive credit requirements
  • Smaller down payment
  • Lower closing costs
  • Friendlier debt ratios
  • Potentially better interest rates

This loan is ideal for borrowers with less than excellent credit and is easier to qualify for. UFirst offers competitive rates for FHA loans in Utah, so you can buy your dream home! 

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Is The FHA Home Loan Right For You?

FHA loans are a great opportunity for a wide variety of homebuyers to buy a home. With non-traditional credit scores accepted, fixed and variable rates, and competitively priced down payment options, UFirst Credit Union has what you need to get qualified. To learn more about your options and see if an FHA loan is right for you, contact one of our Mortgage Consultants!

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FHA Loan Requirements in Utah

If your FICO score is between 500 and 579, you'll need a 10% down payment - If your FICO score is at least 580, you'll need a 3.5% down payment - Debt-to-Income Ratio of less than 43% - Steady income and proof of employment up to at least two years. Employment does not need to be consecutive. - The home must your primary residence. 

What is the FHA loan limit in Utah?

Here in Utah the FHA loan limit for a single-family home has increased up to $356,362 and $817,650. This all various depending on the county. Some higher-cost areas might be able to qualify for more on a loan. While the lower loan amount applies to less expensive rural areas. 

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