What If I Can’t Refinance in Year 2 of My 1-0 Buydown?
You’ve probably heard me talk a lot about the 1-0 buydown lately — and for good reason.It’s one of the most underused tools buyers can use in today’s market to lower their interest rate (and payment) for the first year of their mortgage. But I get this question a lot recently: “What happens in Year […]
Utah Rent vs Owning 2025 — How Buying Can Save You Money
If you’ve been following the Utah rent vs owning conversation, you’ve seen the same story repeat: rent rarely goes down. You might get a small discount when a new apartment opens, but once that lease renewal shows up, your payment almost always goes up. Forecasts for 2025 show rents climbing another 2–3% by year’s end. […]
Houzd Mortgage Named Top 12 Mortgage Broker in Sandy, Utah
Expertise.com reviewed 33 mortgage companies in and around Sandy, curated 24, and selected 12 Top Picks—and Houzd Mortgage made the list (last updated June 26, 2025). We’ll take the high-five, then get back to work helping buyers win homes without losing sleep. Why this recognition matters Expertise.com vets local pros using licensing checks, review analysis, […]
Rate Buydown Utah Mortgage: How One Buyer Locked in a Lower Rate with a 1-0 Buydown
If you’ve been exploring ways to buy a home, you’ve probably heard about a Rate Buydown Utah Mortgage. This powerful strategy has already helped Utah buyers—like Johnny—get into a home with a payment that actually works. When Johnny first came into our office, he wasn’t sure homeownership was possible. Between rising home prices and higher […]
Anthony VanDyke Named a Top Loan Officer in Salt Lake City by FastExpert
Anthony VanDyke, founder of Houzd Mortgage, was recently recognized by FastExpert as one of the Top Loan Officers in Salt Lake City. This acknowledgment highlights VanDyke’s consistent excellence in mortgage lending, his trusted reputation among Utah homebuyers, and his unwavering commitment to client success. It’s another milestone in a career built on delivering results and […]
Buy Now or Wait to Buy a Home in Utah? 2025 Market Insights
If you’re looking to buy a home in Utah and wondering whether to wait for interest rates to drop—or buy now and refinance later—you’re not alone. It’s one of the most common questions we get from first-time buyers, especially in places like Salt Lake City, Utah County, Davis County, and beyond. Let’s unpack the pros […]
Carter Campbell Top Loan Officer in Salt Lake City by Modex
We’re thrilled to share that Carter Campbell, Branch Manager and Loan Officer at Houzd Mortgage, has been named among the Top Loan Officers in Salt Lake City, Utah, by Modex—a trusted industry platform that ranks mortgage professionals based on verified production data. This recognition isn’t just about numbers (although they’re impressive). It’s about consistency, trust, […]
Common Questions About Low Down Payment Mortgages in Utah
How can I buy a home with just 1% down in Utah? The 1% down conventional loan program is designed to help buyers get into homes with minimal upfront costs. By combining your own savings with down payment assistance—like the 2% we cover—you can make homeownership more affordable than you think. What down payment assistance […]
Houzd Mortgage Launches Innovative Conventional 1% Down Loan Program to Help Utah Homebuyers
Houzd Mortgage, a leading mortgage brokerage serving Salt Lake City and surrounding Utah counties, is excited to announce the launch of its Conventional 1% Down Loan Program, designed to make homeownership more accessible for first-time buyers and those struggling to save for a down payment. The Conventional 1% Down Loan Program allows qualified homebuyers to […]
How Taylor and Ben Bought Their First Home with Just 1% Down — A Salt Lake City Success Story
Taylor and her fiancé Ben were in that exciting “pre-honeymoon” phase—deeply in love and planning their future together. They knew they wanted to buy a house in Salt Lake City to start their new life, but the homes they looked at early on were a bit bigger than they really needed. With good jobs and […]