So your credit’s seen better days? No biggie. Job changes, emergencies, surprise expenses… they happen. That’s why Utah First created the Clean Slate Mortgage for colorful credit. It’s designed to help people who’ve lived a little own a home, rebuild their story, and prove that a few credit dings don’t define your future.
Let’s turn past bumps into the foundation for homeownership!
Not everyone fits the “perfect borrower” mold — and that’s exactly why the Clean Slate Mortgage exists. If traditional lenders have said “no” to your mortgage dreams, here are a few times we’re proud to say “yes.
If you’ve been through a bankruptcy, foreclosure, or short sale, don’t stress. Some of our favorite homeowners have, too! With a Clean Slate Mortgage, you don’t have to wait years to bounce back. We love a good comeback story, and yours is just getting started
Your credit score doesn’t scare us, either. We think the hiccups in your financial journey just make you more interesting. The Clean Slate Mortgage helps you move forward instead of staying stuck in the past. You’ve got goals, and we’re here to make them easier to reach
Being your own boss is awesome until a lender asks for consistent W-2 income. We get it. Whether you’re self-employed, newly in business, or living that freelance life, the Clean Slate Mortgage helps turn unpredictable income into a predictable roof over your head.
New job, new you? We love it! Your progress should be rewarded, not penalized. The Clean Slate Mortgage helps go-getters turn a fresh start at work into a fresh start at home with flexible approval that works with your life.
At Utah First, we don’t think credit history alone should decide who gets to own a home. It’s not about where your credit’s been — it’s about where you’re going next. We created the Clean Slate Mortgage to be flexible, forgiving, and refreshingly human. Got a down payment or some equity? You could qualify faster than you think
Utah First does lending differently, treating people like people instead of a three-digit number. We know life doesn’t fit in a formula, so we don’t try to make you fit one. Our team gets to know the person behind the paper trail and build a loan plan that fits you, not the other way around.
While some borrowers are ready to roll from day one with a down payment or existing equity, others are still rebuilding from credit detours and need a little support. If that’s the case for you, the Clean Slate Mortgage gets you into a home now so you can make progress and refinance later when your credit story’s back on track.
Your past doesn’t get to decide your future — and especially not your homeownership story. The Clean Slate Mortgage helps open doors that used to be locked, giving good people a fair shot at second chances and bold new beginnings in a “home sweet home.
Connect with our mortgage team today so we can answer your questions, help you find your best fit, and walk beside you all the way to your new home.