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Home / Utah Licensed Statewide · Firefighter-Owned

Utah Mortgage Broker.
From The Wasatch
To St. George.

Hero Mortgage Group is a firefighter-owned brokerage licensed statewide in Utah. We close loans across the Wasatch Front, the Salt Lake Valley, Utah County’s tech corridor, Park City, the St. George growth market, and every county in between. Utah Housing Corporation runs three active tracks — FirstHome, the FHA/VA Mortgage, and Freddie Mac HFA Advantage — covering nearly every borrower profile. We place all three. (UHC has temporarily suspended its Score, HomeAgain and NoMI programs; we will tell you if that changes.)

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6%
UHC Down Payment Assistance
$832K
2026 Baseline Loan Limit
4.85%
Utah Flat State Income Tax
15DAYS
Average Utah Close
Why Hero In Utah

Utah Runs A Tight Market.
We Match The Tempo.

Utah has one of the fastest-growing housing markets in the country — driven by a young population, a strong tech sector (the Silicon Slopes corridor in Lehi/Draper/American Fork), and migration from California, Texas, and the Pacific Northwest. Inventory moves quickly. Offers stack. Speed matters.

Hero’s 15-day close average, fully-underwritten pre-approvals, and 40+ wholesale-lender bench let your offer compete with cash in Utah’s competitive markets. We pre-clear conditions before appraisal returns and use UHC bond products to land the lowest combined cost on every file that qualifies.

Programs · Utah

Three UHC Tracks
Plus The Full Menu.

The Utah Housing Corporation’s three active programs — FirstHome, the FHA/VA Mortgage, and Freddie Mac HFA Advantage — cover most working Utah buyers. The full menu below.

UHC FirstHome.

For first-time Utah buyers (no homeownership in the past three years). UHC FirstHome offers a 30-year bond-rate first mortgage with down-payment assistance as a second mortgage. Neither UHC assistance option is forgivable — UHC states plainly that the loan “is fully amortized and is not a forgivable grant.” The traditional DPA is up to 6% of the first mortgage (max $27,500) as a 30-year amortizing second at 1% above your first-mortgage rate, capped at 8%, with a required monthly payment. The newer deferred option is up to 3.5% (max $27,500) at 3.5% deferred simple interest with no monthly payment, repaid in full at maturity, sale or refinance. FirstHome household income limits run roughly $118,000–$143,000 for one- to two-person households and $135,700–$166,800 for three or more, by county, with acquisition-cost limits from $566,300 to $878,300. UHC’s FHA/VA and Freddie Mac HFA Advantage tracks use a flat $165,200 qualifying-income limit and carry no purchase price limit.

UHC Score.

For buyers with credit scores in the 620-660 range who don’t qualify for FirstHome pricing. Score offers a bond first mortgage with DPA layered on top. Slightly higher rate than FirstHome, but more lenient credit underwriting. Strong fit for buyers rebuilding credit after a past event.

UHC HomeAgain.

For repeat buyers who have owned before but want UHC bond rates and DPA. No first-time-buyer requirement. Similar income and purchase caps as FirstHome. The right move for move-up Utah families who don’t qualify under standard first-time-buyer programs.

VA Loans In Utah.

Utah has roughly 130,000 veterans, with major concentrations around Hill Air Force Base (Davis County), Dugway Proving Ground (Tooele), Tooele Army Depot, and the broader Wasatch Front. 2026 baseline VA loan limit is $832,750 in most counties; Summit and Wasatch counties (Park City, Heber, Midway) hit the intermediate high-cost tier at $1,034,500. We handle Hill AFB PCS-move files routinely.

Jumbo & Resort Markets.

Park City, Deer Valley, and Snowbird residences regularly land above the conforming limit. We place jumbo files through several Utah-active portfolio lenders — including programs that allow short-term rental income consideration for the increasingly investor-driven Park City market.

FHA In Utah.

2026 FHA single-family limits run from $524,225 (baseline) up to $1,034,500 (Summit/Wasatch). Most Wasatch Front counties (Salt Lake, Utah, Davis, Weber) sit in the $600K-$700K tier. We confirm the specific number for your county at pre-approval.

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Utah · Statewide Coverage

Wasatch Front,
Silicon Slopes, & Beyond.

Utah is geographically compact but economically diverse. We close in every market:

Utah FAQ

Questions From Utah
Buyers, Answered.

Which UHC program is right for me?

Depends on three things: whether you've owned before, your credit score, and your income.

  • FirstHome — first-time buyer (no homeownership in past 3 years), credit 660+, income within county limit
  • Score — buyer with credit in the 620-660 range (UHC's "score" range refers to a slightly looser credit tier with adjusted pricing)
  • HomeAgain — repeat buyer who has owned before but wants UHC bond pricing

All three pair with FHA, VA, USDA, or conventional first mortgages. We model the file against the eligible programs and pick the lowest total monthly.

What's the loan limit for Park City in 2026?

Park City is in Summit County, which is a designated high-cost county for FHFA 2026. The conforming single-family loan limit is $1,034,500 — meaning anything below that uses standard conventional/VA financing; anything above moves to jumbo. The FHA limit in Summit County is the same. Multi-unit limits scale up: $1,324,000 (2-unit), $1,600,750 (3-unit), $1,989,200 (4-unit).

I'm stationed at Hill AFB. Can I use my VA loan twice?

Yes. If you have full entitlement (no current VA loan), you can buy at any price with $0 down on a primary residence. If you PCS and want to keep the Davis County home, you can use remaining entitlement to buy at the next station — that's the "two active VA loans at once" rule for active-duty members. We routinely structure this for Hill AFB families on the move.

How does Utah's property-tax primary-residence exemption work?

Utah reduces the taxable assessed value of your primary residence by 45%. So a $500,000 home assesses at $275,000 for property-tax purposes — saving you roughly $1,200/year vs. an unexempted second home or investment property. The exemption applies automatically once the county sees you've registered the property as your primary residence (usually within the first year of ownership). It's a meaningful affordability factor we always include in PITI calculations.

Can I buy a short-term rental in Park City?

Park City and Summit County have specific STR regulations — within Park City municipal limits, most STRs require a Nightly Rental business license. We pre-confirm STR permitability with the local jurisdiction before structuring the file as either an investment loan (DSCR using projected rent) or second home (no rental income credit but lower rates).

Why is Utah's job-market reputation relevant to my mortgage?

Two ways. First, underwriters love stable employment — Utah's consistently low unemployment makes income-continuance arguments easier on files where job tenure is short. Second, the strong job market drives competitive housing offers — being able to close in 15 days with a fully-underwritten pre-approval often wins the deal over a slightly-higher cash offer that has financing contingencies.

How fast can you close a Utah mortgage?

Our average Utah close is 15 days from contract acceptance. Variables: appraisal turn time (5-8 days in Wasatch Front, slightly longer for Park City and St. George due to appraiser availability), title turn (fast in Utah — most title companies clear in 3-5 days), and HOA estoppel where applicable. VA IRRRL refinances and FHA Streamlines often close in 10 days.

For Every Utah Buyer

Wasatch Speed.
Hero Standard.

No documents required to start. Eligibility for UHC FirstHome, Score, HomeAgain, and Utah-specific programs verified on the first call.

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