Creative Mortgage Financing in Utah for Complex Loan Situations
If you have a unique income situation, own a business, invest in real estate, or have already been told “no” by another lender, creative mortgage financing in Utah may give you more options than you realize. At Houzd Mortgage, complex loan scenarios are kind of our thing. As a mortgage broker, we are not limited […]
Freddie Mac Expands Asset Depletion Mortgage Guidelines
Have plenty of money in savings or investments, but not enough traditional monthly income to qualify for the mortgage you want? A major update from Freddie Mac could make that easier. Freddie Mac has expanded its asset depletion mortgage guidelines, allowing more borrowers to use accumulated assets as qualifying income when purchasing or refinancing a […]
Buy First, Sell Later: A Smarter Way to Use Your Home Equity
Buying a new home sounds exciting. Selling your current home first? Not always as fun. For many homeowners, the problem is not whether they can buy another home eventually. The problem is timing. Their equity is locked in their current home, but they need that money to buy the next one. That is where a […]
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 […]
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, […]
Best of SLC 2026 Mortgage Lender: Houzd Mortgage
Best of SLC 2026 Mortgage Lender: Houzd Mortgage We are excited to share that Houzd Mortgage won Best of SLC 2026 Mortgage Lender! This recognition means a lot to us because Best of SLC decided off of votes from people in our community. Houzd Mortgage was listed as the Gold winner in the Mortgage Lender […]
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 […]
Best Mortgage Broker in Utah: How to Choose the Right Lender
Let’s clear something up real quick— If you Google “best mortgage broker in Utah,”you’ll find… a lot of people calling themselves the best. Shocking, I know. But if you’re actually buying a home, that doesn’t help much. So instead of adding to the noise, let’s walk through what actually matters when choosing a mortgage broker—and […]
What Credit Score Do You Need to Buy a House in Utah?
Let’s clear this up right away: You do not need perfect credit to buy a house in Utah. Somewhere along the way, people started thinking you need a 700+ score just to even have a shot… and that’s just not true. But—your credit score does matter. A lot. It just doesn’t work the way most […]
Top Loan Officers in South Jordan Utah — Houzd Mortgage Sweeps the Top 3
We’re thrilled to announce that three Houzd Mortgage loan officers were recognized as the Top Loan Officers in South Jordan Utah by FastExpert — a distinction that speaks to our team’s performance, professionalism, and local expertise. Specifically, according to FastExpert’s ranking for South Jordan, Utah: • Ashley Tuft – #1 Loan Officer in South Jordan […]