FHA loans in Utah
Low down payment — great for first-time buyers. Tell FundShift about your deal once and get matched — free — with loan officers who work FHA loans in Utah.
What is an FHA loan?
An FHA loan is a mortgage insured by the Federal Housing Administration, part of HUD. The insurance lets approved lenders accept lower down payments and more flexible credit than many conventional loans.
How it works
- HUD guidelines allow as little as 3.5% down for borrowers with a credit score of 580 or higher.
- Borrowers pay an upfront and an annual mortgage insurance premium (MIP).
- FHA loan limits are set by county and updated every year.
Who it's for
- First-time buyers with a smaller down payment
- Borrowers rebuilding or still building credit
- Buyers with a higher debt-to-income ratio
- Property
- Primary residence only
- Documentation
- Full documentation of income, assets, and credit
- Term
- Usually 15 or 30 years
Program rules are set by the Federal Housing Administration (HUD); limits and fees are updated by the agency, and your loan officer confirms the current figures.
FundShift loan officers for FHA loans in Utah
No loan officer with a public FundShift profile lists FHA loans in Utah yet. You don't need to pick from a list: submit your request and lenders compete for it — FundShift routes it to the loan officers whose licensing and programs fit an FHA deal in Utah.
Submit your requestFHA loans in Utah: common questions
What is an FHA loan?
An FHA loan is a mortgage insured by the Federal Housing Administration, part of HUD. The insurance lets approved lenders accept lower down payments and more flexible credit than many conventional loans.
Who is an FHA loan a good fit for in Utah?
FHA loans tend to fit first-time buyers with a smaller down payment, borrowers rebuilding or still building credit, and buyers with a higher debt-to-income ratio. Occupancy: primary residence only.
What does it take to qualify for an FHA loan?
Full documentation of income, assets, and credit. Program rules are set by the Federal Housing Administration (HUD), and the lender adds its own requirements on top.
Does an FHA loan officer need a license in Utah?
Yes. An FHA loan is consumer mortgage credit, so the loan officer must be licensed to originate in Utah. FundShift matches on the licensed states loan officers declare, and you can verify any loan officer at NMLS Consumer Access before you apply.
What are FHA rates like right now?
Rates depend on your credit, down payment, property, and the lender's pricing that day. FundShift doesn't publish an FHA rate it can't source — a matched loan officer quotes your actual rate.
How does FundShift match me with an FHA lender in Utah?
You submit one request. FundShift scores it and routes it to a small number of loan officers who serve Utah and work FHA loans, ranked on geography, specialty, and track record. FundShift is not a lender and does not make credit decisions.
How long is a typical FHA loan?
Usually 15 or 30 years.