Loan Programs

Find the Right Mortgage for Your Goals

Buying a home or refinancing anywhere in Utah? Salt City Home Loans, LLC helps you compare loan options from multiple lenders and understand the payments, closing costs, and requirements before you decide.

Explore conventional, FHA, VA, USDA, and jumbo loans below. Whether you’re buying your first home, moving, or refinancing your current mortgage, you’ll get clear answers and personal guidance from application through closing.

Not sure where to start? Tell us your goals, and we’ll help you compare your options.

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Mortgage Rate Options

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.

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Adjustable ARM

An adjustable-rate mortgage typically starts with a fixed interest rate, then adjusts at scheduled intervals. Compare the initial payment, adjustment limits, and potential future costs.

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Interest Only

Pay interest without reducing principal during an initial period. Payments can rise when principal repayment begins. Understand the requirements and tradeoffs before choosing this option.

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Graduated Payments

Payments start lower and increase on a set schedule. Review program availability, future payments, and whether the loan balance could grow before choosing this structure.

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Loan Program Options

Conventional Loans

Flexible options for buying or refinancing a primary home, second home, or investment property. Compare down payments, loan terms, and mortgage insurance requirements.

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USDA Home Loans

Home purchase financing for eligible borrowers and properties in USDA-designated areas. No down payment may be required, subject to income limits and other program requirements.

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FHA Home Loans

Government-insured financing for eligible buyers and homeowners, including those with limited down payment savings or less established credit. Compare costs and requirements.

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VA Loans

Purchase and refinance options for eligible veterans, service members, and surviving spouses. VA loans may offer no down payment and do not require monthly mortgage insurance.

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Jumbo Loans

Financing for loan amounts above the applicable conforming loan limit, which varies by county and property size.

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