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VA Home Loans in Utah

Let your military service help you on your journey toward home ownership. We are a top lender for VA loans in Utah. Get pre-approved for the program with our help.

VA Home Loans in Utah

Let your military service help you on your journey toward home ownership. We are a top lender for VA loans in Utah. Get pre-approved for the program with our help.

The Veteran’s Administration backs VA loans that are made by banks, savings and loans, and mortgage companies, and it has come a long way since 1944. The loan program has helped returning service members buy a new home, even without a down payment or an excellent credit score. And in turn, these loans have become a critical lifeline for veterans who are buying a home.

Live the American dream and determine whether you qualify for our VA loans today.

prequalify now
va home loans

A Flexible Loan Benefit

You can save money in many ways with a VA mortgage or refinance. Though VA home loans come with a fee as low as 1.25%, the overall financial benefits make a new home or money saving refinance an affordable option for our veteran men, women, and some of their spouses. Some benefits of the loan program include:

No down payments
VA home loans are some of the only programs left that provide a no-money down option for borrowers. You’ll only pay for a down payment if the purchase price is above the established property value. 
Negotiable and competitive rates 
Our VA guarantee means you’ll enjoy greater safety and flexibility. This translates to better rates than traditional mortgage programs.
No private insurance premium requirements 
VA home loans are some of the only programs left that provide a no-money down option for borrowers. You’ll only pay for a down payment if the purchase price is above the established property value.
Less stringent qualification requirements 
Qualifying for a VA home loan is much easier because it’s a government-backed program. This makes it accessible to borrowers with a less-than-perfect credit.

A Smooth VA Application Process

In general, the VA loan process takes about 30-45 days to complete. Applying for a VA loan, however, does not obligate you to any lender or pressure you to push through with the homebuying process. Apply for our VA loans in Utah in three easy steps:
pre-approved.
Get 
pre-approved.
Obtaining a mortgage pre-approval tells real estate agents and sellers that you have what it takes to become a homeowner.
eligibility
Obtain a certificate 
of eligibility (COE).
A Certificate of Eligibility is proof that you are eligible for a VA-backed loan.
guarantee
Receive a “pre-approval” and “close-on-time” guarantee.
We make your life easier and provide a clear assessment of your finances by pre-approving you for our VA loans.

Give us a call and we’ll help you throughout the process.

Find a VA Loan for Your Needs

Did you know that out of over 22 million veterans, only 13% have used their VA home loan benefits? With some lenders tightening their requirements, this VA benefit is more crucial now than ever. Since it requires no down payment, you can easily obtain financing to build, improve, or relocate to a new home.

It’s so easy to see if you qualify and determine how much you can save with a home purchase or refinance. We educate and empower home buyers in the military service through quick and convenient loans. Our VA loans in Utah include:

Home Purchase Loans 
Use this loan to buy a home at a competitive interest rate.
Interest rate reduction refinance loans 
Obtain a lower interest rate and refinance your existing VA loan.
Cash-out refinance loans
Convert home equity into cash and take out a home purchase loan to pay off debt, fund further education, or start a home improvement project.
These loans all come with competitive interest rates with no down payment.
va loan refinance

What Our Clients Say About Us

  • “There is a lot of hype about what a great lending company such-and-such is, but I can tell you from my recent personal experience that Integrity First Lending refinanced my home within in 10 days with no hassle. And I mean NO HASSLE. The individuals working for this organization are both professional and, if I may add personally, the nicest people I have ever worked with. Words cannot express how happy my wife and are that we found Integrity First Lending and will unhesitatingly recommend them to anyone looking for an initial or refinanced home loan.”
    Joe L.
  • “What a fantastic team to work with. The commitment and communication with clients are the best. You will be in good hands working with Integrity First Lending. Highly recommended!”
    Mike M.
  • “This is our second time working with Integrity First. Both times we shopped around, checking for the best rates. Integrity had the lowest fees, lower even than the mortgage company who already held our loan. We received excellent customer care each time.”
    Mica T.
  • “Very easy company to work with! Painless refinance process and fast closing!”
    Cody W.
  • “Integrity First Lending is professional, helpful, and knowledgeable. They communicated clearly and regularly, so that I always knew what was happening. They responded promptly to my questions. The process went very smoothly because of their expertise. I highly recommend this team!”
    Becky B.
  • “The Integrity First team epitomizes a "customer-first" attitude. The team's responsiveness and timely communication make them stand out above the rest.”
    Bruce C.
  • “Integrity First has a great team on individuals who made our refinance quick and easy. We were able to do everything ok online through their portal right up until we closed with the title company.”
    Alison D.
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