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Bad Credit? You Can Still Get a Home Loan.

Stop looking at home loans for bad credit. Your credit is good enough for a Clean Slate Mortgage.

A Clean Slate Mortgage is a home loan for buyers who are unable to qualify for conventional financing. If you’ve had bad credit due to bankruptcy, or faced difficulties getting approval because of self-employment or short job tenure, this is the financing solution that will get you into your Home Sweet Home in Utah. And, if you have a down payment or existing equity, you may even qualify immediately.

It’s time to say goodbye to bad credit home loans and start fresh with a Clean Slate Mortgage from Utah First.

Eliminate the Qualification Delays Caused by:

  • Fannie/Freddie wait restrictions
  • Short sale
  • Bankruptcy
  • Short job tenure
  • Self-employment
  • Bad credit history

Benefits of a Clean Slate Mortgage

  • Interest rates as low as 5.99%
  • Financing up to $548,250
  • 30-year amortization with a
    5-year balloon
  • Up to 80% loan to value
  • Fast processing and funding
  • Mortgages held and serviced by Utah First
  • No minimum FICO score required
  • No pre-payment penalty
Bad Credit Is Your Past. This Home Loan Is Your Future

Sometimes a fresh perspective is all you need to move forward. If you’re tired of searching for bad credit home loans, it’s time to wipe the slate clean.

Utah First offers Clean Slate Mortgages and services them directly, which means you’ll only have one point of contact when applying for, finalizing, and making payments on your loan. We put you in touch with one of our mortgage pros and the same person will help you from start to finish.

Call us today at 800-234-0729 or visit your nearest branch in Davis, Salt Lake or Utah counties. We’ll walk you through all the home loan options available and help you choose the one that’s right for you.

200 E South Temple
Salt Lake City, Utah 84111
Monday - Friday: 9:00 am - 5:30 pm
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Routing & Transit Number: 324079500
NMLS # 446035

Utah First Federal Credit Union is federally insured
by the National Credit Union Administration.