Purchase with 1% Down in Utah
Buying a home in Utah can feel harder when saving for a down payment keeps moving the finish line. The good news is that a new option may help. With the Houzd Mortgage 1% Down program, qualified buyers may be able to purchase a home with just 1% down out of pocket. For many buyers, […]
Buy Before You Sell Bridge Loan: How One Client Bought First and Sold Later
A Buy Before You Sell Bridge Loan can be a powerful solution for homeowners who have plenty of equity but not enough liquid cash to buy their next home before selling their current one. We recently helped a client in this exact situation. They owned a $1.7 million home free and clear. Their kids had […]
UWM VantageScore Update: What FICO and VantageScore Mean for Homebuyers
UWM VantageScore changes are giving mortgage brokers another way to help qualified buyers get approved for a home loan. United Wholesale Mortgage recently announced that brokers working with UWM now have access to both FICO® and VantageScore® for conventional loans. That may sound like a small credit update, but it could make a real difference […]
Buy Before You Sell: A Better Way to Move Into Your Next Home
For a long time, homeowners who wanted to move felt like they only had one real option. Sell their current home first. Then try to buy the next one. On paper, that sounds simple enough. In real life, it can be a little more chaotic. Selling first can mean temporary housing, rushed decisions, moving twice, […]
Utah FHA Loan Requirements 2026: What You Actually Need to Qualify
If you’re trying to understand Utah FHA loan requirements 2026, you’re probably wondering one thing: “Can I actually qualify?” The good news—FHA loans are one of the most flexible ways to buy a home in Utah. However, they still have guidelines. And if you don’t understand how they work, things can get confusing fast. What […]
Seller Paid Rate Buydown – The #1 Creative Financing Option Buyers Are Using Right Now
Right now, one of the most powerful creative financing strategies in the market is the seller paid rate buydown. While many buyers focus only on price, savvy buyers are negotiating terms that directly lower their monthly payment. In today’s rate environment, structure matters more than ever. As a result, seller paid rate buydowns have become […]
Utah First-Time Homebuyer Grants: How to Get Down Payment Assistance
Utah first-time homebuyer grants are helping buyers across the state purchase homes sooner than they thought possible. If saving for a down payment feels like the biggest obstacle between you and homeownership, you are not alone. Fortunately, several Utah programs exist specifically to bridge that gap. In 2026, grants and down payment assistance programs remain […]
Doctor Loans: A Mortgage Built for Medical Professionals
Becoming a doctor is one of the hardest financial journeys out there. Years of school, residency income, and student loan balances that would scare a normal underwriting system. Then the mortgage world looks at you and says, “Sorry, you don’t fit the box.” That’s exactly why the Doctor Loan exists. This program was created to […]
1099 Income: Can Self-Employed Borrowers Qualify?
If you earn income as a contractor, freelancer, or independent worker, you’ve probably wondered whether a mortgage is possible with 1099 income. The short answer is yes — but how lenders review 1099 income matters more than most people expect. Unlike W-2 income, 1099 income comes with more variability, more write-offs, and more questions. That […]
Bank Statement Loans Explained
Bank Statement Loans Explained: A Self-Employed Borrower’s Guide Bank statement loans have become one of the most useful mortgage options for self-employed borrowers — especially when tax returns don’t tell the full story. If you own a business, work as a contractor, or earn income that fluctuates, this type of loan may offer flexibility that […]