01
Your goal
The home or property you have in mind and the timing you’re working toward.
Most files · Loan guide
Conventional loans.
Start with your situation.
A familiar starting point for buyers comparing down payments, mortgage insurance, and long-term costs.
How this program works
What changes the fit.
Utah and Idaho cities on this desk use the same person and a program that has to match the house.
Conventional is the loan most Utah and Idaho files get compared against. Many first-time buyers can start around 3% down. Private mortgage insurance is the usual tradeoff, and it can come off later once there is enough equity. That is a different insurance story from FHA, where the annual premium often stays for the life of the loan when the down payment is under 10%.
The same program covers a lot of second homes and some investment properties, which is why Alpine, Park City, and Eagle purchases often start here before anyone says jumbo. Condos still have to pass a project review. The down-payment headline is not the payment. Taxes, insurance, and mortgage insurance belong in the number you use to shop.
Who this may fit
Strong credit and a down payment from 3%.
What to discuss
- 3% down on many first-time files
- PMI cancellation is subject to eligibility and loan requirements
- Second homes and some investment properties
From an option to a plan
Three things to bring.
A first conversation can help you understand the details before a full application.
02
Your income picture
How you earn, what documentation you have, and the monthly payments already in your budget.
03
Your funds
The down payment, reserves, and closing-cost budget you want to work with.
Program availability, terms, and eligibility depend on the lender and your complete application. This overview is not a commitment to lend.
A real person. A clear next step.
Let’s talk about Conventional.
Bring your questions and the numbers you’re working with. Brandon will help you understand the options and decide what comes next.
Brandon MaughanUtah & Idaho · 8am–8pm MT
Keep the comparison open