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Provo is one of the most vibrant, fastest-growing cities in Utah — and for good reason. Strong employment, world-class universities, a tight-knit community, and a housing market that, while competitive, is still more accessible than Salt Lake City for buyers who know which programs are available to them. If you're a first-time buyer or a […]

Ogden is home to one of Utah's largest military and veteran communities. Hill Air Force Base — one of the Air Force's major material management and maintenance installations — brings thousands of active duty airmen, civilian employees, and their families to Weber County. And for many of those families, the VA home loan benefit is […]

Salt Lake City is one of the most exciting places to buy a home in the country right now — a thriving economy, stunning mountain backdrop, and a community that's growing fast for all the right reasons. It's also one of the more challenging markets for buyers who are getting started. Median home prices in […]

Utah mortgage rates are holding at their highest levels of 2026 this Thursday, March 26th. The 30-year fixed sits at 6.45%, and the 15-year fixed is at 5.79%. Rates have climbed from a 2026 low of around 6.09%, driven by rising oil prices tied to the conflict in Iran — and the Fed held its […]

Utah mortgage rates are holding at their highest levels of 2026 this Wednesday, March 25th. The 30-year fixed rate sits at 6.45%, with the 15-year fixed at 5.79%. Rates have climbed from their 2026 low of around 6.09%, pushed higher by rising oil prices tied to the conflict in Iran and ongoing inflation concerns — […]

Good news for Utah homebuyers: mortgage rates are holding steady to start the week. As of this morning, the 30-year fixed rate comes in at 6.375% for well-qualified buyers — with options as low as 5.875% for those who choose to buy down their rate with points. Whether you’re purchasing your first home or refinancing, […]

If you’re putting less than 20% down on a conventional home purchase, you’re going to hear about PMI. Private mortgage insurance is one of the most misunderstood costs in homebuying — and one of the most manageable, once you understand how it works. Here’s what every Utah homebuyer needs to know: what PMI is, what […]

Being self-employed has never been more common — and it’s never been more complicated when it comes to getting a mortgage. The traditional mortgage qualification process was designed for W-2 employees: you show your pay stubs, W-2s, and tax returns, and the lender can see exactly what you earn. For freelancers, independent contractors, small business […]

If you’re a real estate investor trying to grow your portfolio, the standard mortgage qualification process can become a bottleneck. Once you have three or four properties — or if you’re self-employed, own multiple businesses, or structure your income through an LLC — your personal tax returns and W-2 income may not accurately reflect your […]

Buying your first home in Utah is one of the most exciting things you’ll do — and one of the most complex financial decisions you’ll make. There’s a lot to understand: loan options, down payments, credit scores, closing costs, inspection contingencies. If it feels like a lot, that’s because it is. But it’s also manageable, […]