Can family help with your down payment in Utah? Learn who can give gift funds, what a gift letter needs, and how to move the money so it doesn't delay closing.
Utah homes can be taxed on just 55% of market value. Learn how the primary residential exemption works, who qualifies, and the new 2027 filing rule for buyers.
USDA loans in Southern Utah: how zero-down rural home loans work, who qualifies, income and location rules, fees, and how they compare to FHA and VA loans.
Learn how VA loans work in Utah: eligibility, $0 down, the VA funding fee, entitlement, and Utah property tax exemptions for veterans buying in St. George.
Learn how down payment assistance works in Utah, from Utah Housing's FirstHome to the $20,000 new construction program, from St. George LO Alex Hernandez.
What credit score do you need to buy a house in Utah? St. George loan officer Alex Hernandez explains FHA, conventional, VA, and USDA credit rules plus tips.
What are closing costs in Utah? St. George loan officer Alex Hernandez explains fees, prepaids, escrow, property taxes, and ways to lower your cash to close.
Thinking about buying a home in Parowan or Iron County, Utah? Local insight, loan options, and storage tips for closing gaps and downsizing from Alex Hernandez.
You probably don't need 20% down to buy in Utah. Compare FHA, 3% down conventional, VA, USDA, and Utah Housing down payment assistance with Alex Hernandez.
What is a DSCR loan? A plain-English guide to qualifying for a rental property using its rent, how the ratio works, and the tradeoffs of non-QM loans.
Self-employed and buying a home? Learn how lenders calculate your income, why tax write-offs can lower your buying power, and how to plan ahead in Utah.
Prequalified or preapproved? Utah loan officer Alex Hernandez explains the difference and what lenders really review: income, DTI, credit, assets, and more.