First-Time Home Buyer

Utah Housing is a state program designed for first time home buyers, single parents, and others who have not owned a home in the immediate past three years.

Members who meet the income and credit requirements can receive a low fixed rate and 100% financing, including closing costs.

Utah Housing First-Time Home Buyer

  • Flexible rates and terms
  • Zero down financing option
  • Down payment and closing costs can be 100% gifted
  • Down payment assistance programs for eligible buyers
  • Low fixed rates for the life of the loan
  • 1% origination
  • Low closing costs

USU Credit Union 5/1 ARM First-Time Home Buyer

  • Up to 95% financing
  • No mortgage insurance
  • Fixed rate for the first five years
  • Flexible qualification guidelines
  • 1% origination
  • Low closing costs

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Our live and local mortgage experts make buying your new home easier than ever! We will be there for you every step of the way, and guarantee that we will close in 30 days or less - no bots about it.

Talk to a mortgage expert today to get your mortgage application started!

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