Capital Home Mortgage Utah

Utah Home Loans

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Utah Mortgage Lender

Home Loans in Utah

Welcome to Capital Home Mortgage Utah, where we strive to provide Utah Home Loans to Utah homebuyers and homeowners at competitive rates and fees while providing outstanding customer service.  First, we’d like to thank you for the opportunity to earn your business.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage Utah offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be exciting rather than stressful.

Capital Home Mortgage Utah as a direct Utah Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage Utah is an Utah Mortgage Lender that offers a wide range of mortgage products as well as competitive Utah Mortgage Rates.  Whether you are a first-time purchaser seeking a Utah FHA Home Loanlooking for a rural property and needing Utah USDA Home Loan, a Native Utahn wanting to use the HUD 184 Utah Native American Home Loan, an active or retired veteran in need of a Utah VA Home Loan, or a seasoned buyer in need of a Utah Conventional Home Loan, we are here to assist.

Call today (435) 375-3307 to talk to one of our Utah Loan Officers.

Utah, known as the “Beehive State”, is located in the western part of the United States. Utah major cities include Provo, Ogden, St. George, West Valley City and Salt Lake City, which serves as the capital.

Utah is recognized for its diverse geography, including vast deserts, high plateaus, and the Rocky Mountains.  Notable geographic features include the Great Salt Lake, the Bonneville Salt Flats, and various national parks like Zion, Bryce Canyon, Arches, and Canyonlands.

Utah has a robust and diversified economy with key sectors in technology, tourism, mining, agriculture, and manufacturing.  Salt Lake City has developed into a major hub for technology and finance.

The majority of Utah’s population is affiliated with The Church of Jesus Christ of Latter-day Saints (LDS Church), commonly known as the Mormon Church. However, the state has a growing religious diversity.

Utah is home to several universities and colleges, including the University of Utah, Brigham Young University, and Utah State University.

Utah is renowned for its outdoor recreational opportunities. The state’s national parks, ski resorts, and hiking trails attract visitors from around the world.  The Sundance Film Festival, one of the largest independent film festivals in the United States, takes place annually in Park City, Utah.

Utah has professional sports teams, including the Utah Jazz (NBA) and Real Salt Lake (MLS).  The state is also known for its winter sports, with numerous ski resorts attracting enthusiasts.

Utah’s real estate market has been steady due in part to the state’s robust and diversified economy, which includes industries like technology.

Utah has historically had a competitive housing market with a little supply of available properties. Urban and suburban growth have coexisted in the state to accommodate a range of housing preferences.

Home prices in Utah have been rising steadily due to a number of variables, including a robust economy, population expansion, and a high standard of living.

Real estate development and housing appreciation have been especially active along the Wasatch Front, which includes the areas surrounding Salt Lake City.

Utah has continuously seen population expansion, drawing newcomers with chances for employment, outdoor activities, and a generally good standard of living. The demand for homes has soared as a result of this.

Although there has been a lot of expansion in urban regions such as Salt Lake City, there has also been interest in rural and suburban locations, which provide a variety of housing possibilities.

Thank you again for your interest in Capital Home Mortgage Utah and we look forward to providing your new mortgage.

Utah Home Loans

Utah Conventional Home Loans

A Utah Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Utah FHA Home Loans

Utah FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for an Utah FHA home loan is consistent employment history and documented income.

Utah VA Home Loans

Utah VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Utah.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Utah USDA Home Loans

Utah USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Utah Jumbo Home Loans

A Utah Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Utah Non QM Home Loans

Utah Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Utah Native american Home Loans

A Utah Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Utah Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Utah One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Utah One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Utah HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Utah Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Utah Home Mortgage Programs

Utah Home Purchase loans

Looking to Purchase an Utah Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Utah Renovation Home Loans

Looking to Rehab an Utah Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Utah FHA Home loans

Great 1st Time Utah Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Utah va Home Loans

100% Financing for Utah Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Utah Conventional Home loans

Flexibility for Utah Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Utah Jumbo Home Loans

Utah Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Utah USDA Home loans

Utah 100% Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Utah Native american Home Loans

Utah Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Utah Manufactured Home loans

Great Utah Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Utah Reverse Mortgage Loans

Your Utah Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Utah Non QM Home loans

Making Utah Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Utah One Time Close Home Loans

Build Your Utah Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Utah Refinance Mortgage loans

Utah Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Utah Cashout Mortgage Loans

Utah Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Utah Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Utah Mortgage Company Reviews

Utah Cities

Salt Lake City Home Loans

West Valley City Home Loans

West Jordan Home Loans

Provo Home Loans

Orem Home Loans

St George Home Loans

Sandy Home Loans

Ogden City Home Loans

Layton Home Loans

State Specific Mortgage Information

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