I'll help you compare mortgage options, understand your costs, and move forward with confidence.
Corey Moser | Mortgage Professional
Nearly 30 Years of Experience • Multiple Lending Options • Personal Guidance
Prefer to talk? (801) 810-9445
Explore Your Utah Home Loan Options
Every homebuyer has different needs. Whether you're buying your first home or your next one, I'll help you explore financing options that fit your goals.
Conventional Loans
Flexible financing options, down payments as low as 3% for eligible buyers, and opportunities to remove mortgage insurance when applicable requirements are met.
Explore Conventional LoansFHA Home Loans
FHA-insured mortgages offer down payments as low as 3.5% for qualifying borrowers and may provide additional flexibility with certain credit profiles.
Explore FHA LoansVA Home Loans
Eligible veterans, service members, and qualifying surviving spouses may benefit from no-down-payment options and no monthly mortgage insurance.
Explore VA LoansFirst-Time Homebuyers
Buying your first home? Explore loan programs, down payment assistance opportunities, and practical guidance to help you get started.
First-Time Buyer OptionsLoan program availability and eligibility depend on borrower qualifications, property details, and applicable lending guidelines.
Your Homebuying Journey, Step by Step
Buying a home involves several moving parts, but you don't have to figure them out alone. Here's what to expect from your first conversation to closing day.
Get Pre-Approved
We'll review your income, credit, assets, and financial goals to help you understand your purchasing power and available financing options. A strong pre-approval can help you shop with greater confidence.
Find Your Home
With your budget and financing options in mind, work with your real estate agent to find a home that fits your needs. I'll be available to help you evaluate financing questions along the way.
Make an Offer
Once you've found the right property, your real estate agent will help you prepare and negotiate an offer. After your offer is accepted, we'll finalize your loan details and move forward with the mortgage process.
Processing & Underwriting
The lender reviews your financial documentation, property information, appraisal when required, and other loan conditions. I'll help coordinate the financing process and keep you informed as we work toward final approval.
Closing Day!
Once your loan is approved and all closing requirements are satisfied, you'll review and sign your final documents. After closing and funding are completed, it's time to get those keys and enjoy your new home!
Every home purchase is different. Loan approval, timing, and closing requirements depend on borrower qualifications, property conditions, and applicable lending guidelines.
Buying a Home Is a Big Decision. Who You Work With Matters.
Financing a home involves more than filling out an application. Here's a little about my approach, my experience, and what you can expect when we work together.
Nearly 30 Years of Experience. A Personal Approach.
I'm Corey Moser, a Utah mortgage professional who believes choosing the right mortgage starts with understanding your options. As a mortgage broker, I work with multiple lenders to help you explore financing solutions, understand the details, and make informed decisions.
Schedule a CallHow Much Money Do You Need to Buy a Home?
Your down payment is only one part of the equation. Understanding your total upfront costs can help you plan with confidence.
Your Down Payment
You don't necessarily need 20% down to purchase a home. Some conventional loan programs allow as little as 3% down, while FHA financing offers options starting at 3.5%.
Eligible VA borrowers may qualify for financing with no down payment. Your options depend on the loan program, property, and your qualifications.
Closing Costs
In addition to your down payment, you'll generally have closing costs associated with obtaining your mortgage and purchasing the property.
These may include lender fees, title services, appraisal costs, prepaid property taxes, insurance, and other transaction expenses.
Closing costs commonly range from 2–5% of the purchase price, excluding your down payment. Actual costs vary.
You May Have More Options Than You Think
Saving for a home doesn't always mean covering every expense from your own savings.
Depending on your loan program and eligibility, gift funds, seller contributions, and down payment assistance programs may help with some of the upfront costs.
Some programs have income limits, property requirements, or repayment conditions. I'll help you understand which options may be available and how they work.
Your total cash needed at closing may include the down payment, closing costs, and prepaid expenses, less applicable credits and deposits already paid. Earnest money is generally credited toward the purchase at closing. Estimates are illustrative, not a loan offer.
Not sure how much you should save? Let's explore your available financing options.
Explore Down Payment OptionsHelpful Resources for Utah Homebuyers
Buying a home is a big decision. Explore free tools and educational resources to help you understand your options and prepare with confidence.
Mortgage Calculators
Wondering how much home you may be able to afford? Explore your purchasing power and get a clearer picture of how your income, debts, and financing options may affect your homebuying budget.
Check Your Home AffordabilityFirst-Time Homebuyer Guide
Buying your first home? Access our free homebuyer guide to learn about mortgage pre-approval, loan programs, down payments, closing costs, and what to expect throughout the homebuying process.
Get the Free Homebuyer GuideMortgage Rates & Trends
Stay informed with Utah mortgage rate snapshots, daily market updates, historical rate charts, and insights into the economic events influencing mortgage interest rates.
Explore Mortgage RatesCalculators and educational resources are for informational purposes only. Results are estimates and do not constitute loan approval or a commitment to lend.
Before You Sign With a Homebuilder, Know What You're Agreeing To.
A brand-new home can be exciting, and builder incentives may make the opportunity even more attractive. But before signing a purchase agreement, it's worth understanding the financing, contract terms, and potential tradeoffs.
Watch: Important things to understand before purchasing a newly constructed home.
Four Things Worth Reviewing Before You Sign
Understand the conditions attached to rate buydowns, closing-cost credits, and other incentives.
Consider the interest rate, APR, lender fees, mortgage insurance, and how long you expect to keep the loan.
Review deposits, financing contingencies, completion timelines, and possible consequences of delays.
Ask whether incentives are tied to a preferred lender and compare the overall value of available financing offers.
Have a Builder's Financing Offer?
If you're considering a new-construction home, I'm happy to help you compare available mortgage financing options and evaluate the numbers. A lower advertised rate or a large incentive doesn't always tell the whole story.
Schedule a Financing ReviewFrequently Asked Questions About Buying a Home in Utah
Buying a home comes with questions. Here are straightforward answers to some of the things Utah homebuyers ask most often.
How early should I get pre-approved for a mortgage?
Ideally, before you begin seriously shopping for homes. Pre-approval helps you understand your potential purchasing power and prepares you to make an offer when you find the right property. Pre-approval is not a guarantee of final loan approval.
How much down payment do I need to buy a home?
You may need less than you think. Certain conventional loan programs allow down payments as low as 3%, while FHA loans may offer down payments starting at 3.5%. Eligible VA borrowers may qualify for financing with no down payment. Actual requirements vary by program and borrower qualifications.
What credit score do I need to purchase a home?
Credit requirements vary depending on the mortgage program, lender, and underwriting method. Your credit history is important, but lenders also consider income, existing debts, assets, and your overall financial situation. We can review your circumstances and explore available options.
What closing costs should I expect?
Closing costs commonly range from approximately 2% to 5% of the purchase price, excluding your down payment. Costs may include lender charges, title services, appraisal fees, prepaid insurance, property taxes, and other expenses. Your actual costs depend on the loan and transaction details.
Can I use gift funds or down payment assistance?
Possibly. Many mortgage programs permit eligible gift funds from acceptable sources. Some buyers may also qualify for down payment or closing cost assistance. Availability, eligibility, and repayment requirements vary by program.
How long does it take to close on a home?
Many financed home purchases close in approximately 30 to 45 days after going under contract, although timelines can be shorter or longer. Appraisals, underwriting, property conditions, documentation, and contract deadlines can all affect the closing schedule.
Should I work with a mortgage broker or a bank?
A mortgage broker can explore financing options from multiple wholesale lenders rather than being limited to one institution's products. Banks generally offer their own lending programs. The right choice depends on available financing, overall costs, service, and your individual needs.
Let's Get You Home.
Whether you're ready to start shopping or just figuring out your options, I'm here to help you navigate the financing process with confidence.
Straight answers. Personal guidance. Nearly 30 years of mortgage experience.
Prefer to talk? Call me at (801) 810-9445