Utah First-Time Home Buyer Program

Stop paying your landlord's mortgage. In 2026, owning a home in Utah is more achievable than you think—if you know where to look.

As a Buyer Specialist, I help renters become homeowners by leveraging state grants, seller concessions, and smart loan programs. My services are 100% free to you (my commission is paid by the seller).

$20,000 in Free Money? (The S.B. 240 Grant)

The biggest opportunity right now is the Utah First-Time Homebuyer Assistance Program. The state offers up to $20,000 to help you with your down payment or closing costs.

• The Catch: It must be used on New Construction homes priced under $450,000.
• Where to find them: We are seeing eligible inventory in Magna, Tooele, and parts of Utah County.

How to Buy with $0 Down

You don't always need 20% down. We specialize in:

• USDA Rural Loans: 0% Down for homes in eligible areas like Saratoga Springs and Eagle Mountain.
• VA Loans: 0% Down for veterans and active military.
• Utah Housing Corp: Down payment assistance programs that cover your upfront costs.

Your Roadmap to Homeownership

1. Strategy Session: We meet (Zoom or Coffee) to look at your budget and eligibility for grants.
2. The Hunt: I set you up with a custom "Coming Soon" feed that beats Zillow by 24-48 hours.
3. The Offer: I negotiate seller-paid closing costs to keep cash in your pocket.
4. The Keys: You move in and start building your own equity.