You’ve bravely served our country. Now it’s our turn to serve you with a mortgage solution that thanks you for your sacrifice. At Utah First, we make it easy for veterans, active-duty service members, and eligible spouses to own a piece of the American dream through a VA loan.

VA mortgages are one of the best benefits available to those who’ve worn the uniform with zero down, no PMI, and rates worthy of our troops. So whether you’re buying your first home or your next, we’re proud to help Utah’s veterans and hometown heroes put down roots.

What’s a VA Mortgage?

A VA loan is backed by the Department of Veterans Affairs and is meant to help veterans, service members, and qualifying spouses buy, build, or refi a home with major perks like:

• Zero down payment required
• No monthly PMI (private mortgage insurance)
• Competitive interest rates
• Flexible credit and income guidelines

Why Get Your VA Loan With Utah First?

At Utah First, we combine federal benefits with local service to give you a mortgage experience that’s fast, friendly, and focused on you. We love getting military families into homes they’ll love through a smooth, stress-free lending process.

Here’s why veterans trust us with their home financing:

• No Money Down: Buy a home with zero down and keep more in the bank for the housewarming party you deserve.
• No PMI Ever: With a VA loan, you’ll have one less expense to worry about, which can save you hundreds each month.
• Competitive Rates: Count on low interest rates that help your budget stand at ease.
• Local, Personalized Service: Approvals happen fast when your lender lives just down the street!
• We’ll Tackle the VA Paperwork: Don’t stress about the VA loan paperwork. We’ve got this, and we’re here to make the whole process easy!

Who’s Eligible for a VA Loan?

If you’ve served, there’s a good chance you qualify. You might be eligible for the VA loan program if:

• You’re an active-duty service member or veteran
• You completed 90+ days of wartime service or 181+ days during peacetime
• You’ve spent 6+ years in the National Guard or Reserves
• You’re the surviving spouse of a service member lost in the line of duty or to a service-connected cause

Not sure if you check all the boxes? That’s what we’re here for.

What Can a VA Loan Be Used For?

VA loans aren’t just for buying a house. They can flex with your life! Use your VA benefits to:

• Buy your forever home
• Build the dream from scratch
• Refinance like a boss
• Make green upgrades

Whatever you’re dreaming up, Utah First is here to help you use your benefits to the fullest.

How the VA Mortgage Process Works

1. Get Pre-Qualified
   We’ll give you a peek at your numbers to see what kind of home and monthly payment is within reach.
2. Apply Online or Swing by a Branch
   We made it easy. Click a button to apply or do it in person — your call.
3. We Handle the VA Stuff
   You served. The least we can do is fill out the paperwork.
4. Close Confidently
   Sign the papers, snag the keys, and start planning that housewarming BBQ.

Start Your Homeownership Journey Today

Our team is honored to help you take full advantage of your VA benefits with a mortgage process that’s friendly, fast, and focused on your future. Contact us online or visit one of our branches near you to get started!

 

Apply Now

FAQ

Who’s eligible for a VA mortgage?

Veterans, active-duty military, National Guard and Reserve members, and some surviving spouses may qualify. Utah First can help you check your eligibility.

Do I really not need a down payment with a VA loan?

You heard right! With a VA loan, you can keep your savings or maybe even splurge on something fun for your new home instead, like a new grill or backyard jacuzzi.

Is there private mortgage insurance (PMI) with a VA loan?

Nope! You’re off the hook. VA loans skip the private mortgage insurance to save you hundreds every month.

Can I use a VA loan to buy a second home or investment property?

VA loans are for your main digs only. If you’re shopping for a vacation pad or income property, let’s chat about your other options.

What’s a VA funding fee? Do I have to pay it?

It’s a one-time fee that helps fund the VA loan program, but some borrowers (like those with service-connected disabilities) don’t have to pay it. We’ll help you know where you stand.

 

 

Contact a mortgage expert today.