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Home Financing With Houzd Mortgage

VA Home Loans
in Utah

Buying or refinancing a home in Utah? Our Houzd Mortgage team will help you explore your VA benefit and compare financing around your goals.

Start Your Application Explore Home Financing
The Basics

What is a VA home loan?

A mortgage made by a private lender and guaranteed in part by the U.S. Department of Veterans Affairs.

Eligible Veterans, service members, and surviving spouses may qualify. Your Certificate of Eligibility (COE) documents your benefit eligibility; loan approval requires a separate financial review.

Start with your eligibility and your goals.

Bring us your questions about buying, moving, or refinancing. We'll help you understand your options.

Why VA?

Explore the benefit you've earned.

Review VA financing alongside other available mortgage options.

01

No Required Down Payment

Qualified buyers may purchase without a down payment, subject to entitlement, appraisal, and lender requirements.

02

No Monthly Mortgage Insurance

VA loans do not require monthly PMI or FHA mortgage insurance.

03

Compare Financing Costs

We'll review your rate, fees, and estimated total payment.

04

A Reusable Benefit

Restored or remaining entitlement may support another home purchase.

05

Eligible Property Options

Options include single-family homes, condos in VA-approved projects, and owner-occupied properties with up to four units.

06

Refinancing Possibilities

Ask about an Interest Rate Reduction Refinance Loan (IRRRL) or other VA refinance options.

Cash to Close

Can you buy a Utah home with zero down?

Eligible buyers may qualify for zero down payment financing. That does not eliminate closing costs.

We'll estimate the cash needed for your transaction before you shop.

0%

Down Payment Potential

Available to qualified buyers. Limited entitlement or an appraisal gap may require cash.

Cash

Closing Expenses

Plan for eligible loan fees, taxes, insurance, and other costs.

Credit

Seller Contributions

Negotiated credits may cover eligible costs under VA rules.

Choice

Optional Down Payment

Putting money down reduces borrowing and may lower an applicable funding fee.

Local Mortgage Guidance

A Utah Mortgage Team for Your Next Move

Based in Draper, our Houzd Mortgage team helps borrowers across Utah, including Salt Lake, Utah, Davis, and Weber counties.

Whether you're buying in Salt Lake City, relocating along the Wasatch Front, or refinancing your current home, we'll help you compare the numbers.

Start with a listing or your target monthly budget. We'll discuss your plans and the next steps.

Meet our Houzd Mortgage loan officers
Reviewing Eligibility

Who may qualify for a VA loan?

Service requirements vary. Let's review your situation if:

You are a Veteran.
You are an active-duty service member.
You served in the National Guard or Reserves.
You are a surviving spouse who may qualify.
You previously used your benefit and want to move.
You have an existing VA loan to refinance.

We can help request your COE and review the applicable requirements.

The Process

Clear answers before you shop.

Our Houzd Mortgage team will guide you through the details.

01

Apply

Share your finances and homebuying goals.

02

Confirm Eligibility

Request your COE and review entitlement.

03

Review Your Budget

Compare payments and estimated cash to close.

04

Finalize Your Loan

Complete appraisal, underwriting, and closing.

Questions

Utah VA Loan FAQ

Can I use my VA benefit to buy a home in Utah?
Yes, if you meet service eligibility, financial, property, and occupancy requirements. Your COE alone does not guarantee loan approval.
Is there a VA loan limit in Utah?
With full entitlement, VA does not impose a county loan limit. Lender limits, financial qualification, and appraisal still apply. With remaining entitlement, county limits can affect zero-down borrowing.
Do I have to be a first-time homebuyer?
No. Eligible repeat buyers may use restored or remaining entitlement. We'll review your prior VA loan use.
Can I buy a condo with a VA loan?
A condo in a VA-approved project may qualify. We'll check project status and the property's eligibility before proceeding.
Can I buy a rental property?
VA purchase financing requires owner occupancy. An eligible two- to four-unit property may qualify if you occupy one unit.
Can I roll all closing costs into my purchase loan?
No. The VA funding fee can generally be financed, but other purchase closing costs must be covered at closing, potentially through permitted credits or other eligible funds.
Is the VA appraisal a home inspection?
No. The appraisal evaluates value and VA property requirements. An independent home inspection provides a separate assessment of the home's condition.
Can I refinance my existing VA loan?
An IRRRL may help reduce your rate or move from an adjustable rate to a fixed rate. Eligibility, seasoning, and benefit requirements apply. We'll compare costs and potential savings.
How do I compare VA mortgage offers in Utah?
Compare quotes using the same loan details. Review the rate, APR, points, fees, credits, and total payment. Ask our team to walk through the numbers.

Your VA Benefit.
Your Utah Home.

Let's review your options and build a financing plan for your next move.

Start Your Application Explore Home Financing

Have questions first? Talk to a Houzd Mortgage loan officer.

Houzd Mortgage | Draper, Utah | NMLS #888979 | Equal Housing Opportunity.

All loans are subject to credit, income, property, entitlement, and underwriting approval. Zero down payment does not eliminate closing costs. A VA funding fee may apply unless exempt. Program availability and terms vary.

Houzd Mortgage is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.