Maybe you're living with family to save up, renting while you figure things out, or just starting to explore the idea of buying. These days, more people are taking their time, asking smart questions and making sure the move feels right.
We’re here to help with that — with mortgage options that make sense for first-time buyers, honest answers, and local loan officers who get what it’s like to buy your first home in today’s market.
When you're ready, we’ll be ready.
With a Bank of Utah Mortgage, You Can:
Keep the Process Moving
We’re here to make each step smooth and efficient, so you can get home sweet home, sooner.
Work With Experts Who Get You
Our loan officers take the time to get to know you and guide you through every step.
Choose a Loan that Fits Your Life
From first-time homebuyer programs to conventional loans, we’ll help you find the right match.
Apply Online, On Your Schedule
Start your application whenever it works for you — completely online and easy to follow, start to finish.
Secure a Great Rate Early
When you're ready to move forward, we’ll help you lock in a great rate that works for you.
Use Smart Tools to Plan Ahead
Explore calculators and resources to see what kind of home—and payment—works for your budget.
Explore Loan Options and Tools to Help You Move Forward
Purchase
Start strong with flexible loan options that match your budget, whether you’re just beginning or have a little more saved.
Home$tart Grant
This grant can help with your down payment or closing costs. Funds are limited but refreshed quarterly; it's a good idea to apply early.
Super Saver Mortgage Program
Save for your down payment with a CD designed to help you reach your homeownership goal faster.
Real Talk About Buying a Home
Explore tips, guides and stories to help you feel more confident about your next step.
Other Mortgage Options to Consider
Understanding your full range of options — for both today and tomorrow — is a smart step in the homeownership journey. Click below to dive into each one and see how they might fit your plans.
