First Time Home Buyers

First Time Home Buyer Utah

First Time Home Buyers

How much do you qualify for?

Getting pre-qualified is the first step in buying a home. To qualify for a mortgage there are three main things that determine your ability to get approved for a loan to buy a home:

1. Credit scores
2. Income
3. Monthly debt payments

Getting prequalified is quick and easy. The quickest way to find out how much you qualify for is to give us a call 801-APPROVE. In just 10 minutes one of our friendly loan officers will ask you a few simple questions and then tell you how much you qualify for. Call us today and let us help you make your homeownership dreams a reality! You can also click on the “Get Pre-Qualified” button below, or use the chat box at the bottom of the page to chat with us online. Once you know how much you qualify for, you can start your home search by clicking on the “Find Your Home” button to see the homes for sale in your area.

Need an All-Star Realtor to help you find and buy your home? Click on the “GET AN ALL-STAR REALTOR” button on the menu bar above to get the contact info for the top Realtor in your local area.


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Calculate Your Payment

Use the calculator to estimate your total monthly payment, including property taxes, homeowner’s insurance, and PMI/MIP (private mortgage insurance). The calculator is preset to a conventional loan with a 5% down payment.  There are several types of loans available. Read about them on the “Types of Loans” page on the “MORTGAGE 101” dropdown menu. You can buy a home with no money down on some loan programs. Call us at 801-277-7683 and we’ll be happy to help you select the right loan to fit your needs and answer all of your questions.

Use the factors below to estimate other purchase scenarios:

Conventional purchase, 30-year loans: (760+ FICO scores)

  • 3% down payment requires PMI of 1.10%
  • 5% down payment requires PMI of .59%
  • 10% down payment requires PMI of .44%
  • 15% down payment requires PMI of .28%
  • 20% or greater down payments don’t require any PMI

FHA purchase, 30-year loans: (all FICO scores)

  • 3.5% down payment requires PMI of 1.35%
  • 5% or greater down payments require PMI of 1.3%




Get Pre-Qualified now in under 10 Minutes!
Fill out the short form and one of our friendly loan officers will be in touch soon to help you.

Or Call Us At 801-APPROVE!



If you are would prefer to speed things up by filling out a full loan application now, please click the green button below for access to our full loan application.