Utah home loans, from Salt Lake County down payment assistance to Park City jumbo.
Program figures verified July 2026, details change; confirm your scenario with us.
Cornerstone First Mortgage lending across the Wasatch Front and into Washington County. Real numbers, not a rate teaser. Loans built around your scenario: an Ogden FHA buyer, a Lehi jumbo file, a St. George DSCR rental, or a UHC FirstHome pairing. Mike Certo closes the files other branches hand off.
We run the Utah Housing Corporation menu (FirstHome, Score, NoMI) plus the $20,000 SB 240 new-construction loan, from Ogden to St. George.
Real numbers, no salesy script. Utah Housing's DPA second amortizes with its own payment, so we tell a Sandy or Orem buyer when skipping it beats taking it.
A Provo first-timer, a Silicon Slopes contractor, a Park City jumbo buyer, a Layton move-up seller: one toolbox covers them all.
Mike Certo and his team handle every Wasatch Front and St. George file directly, from pre-approval to a title-company closing. No handoffs, no junior LO.
Pick your Utah path, from Ogden FHA to Park City jumbo.
Each guide goes deep on one Utah buyer: a Provo first-timer, a St. George investor, a Lehi jumbo borrower. Land on the answers that fit your county.
Down Payment Assistance
UHC FirstHome and Score, the $20,000 new-construction program, Utah Veteran FTHB Grant, plus Chenoa, Arrive, and Essex. The full Utah DPA menu, explained simply.
See Utah DPA details →Buy Before You Sell
Bridge financing that removes the contingency from your Salt Lake or Davis County offer. Buy your next Wasatch Front home before your current one sells. Listing agents: this is the deal-saver.
See BBYS details →Self-Employed Loans
Bank statement, 1099, and asset-qualifier paths for Silicon Slopes contractors and Park City hospitality owners. Qualify on what your business actually makes, not what your Schedule C shows after deductions.
See Self-Employed details →Jumbo & Doctor Loans
Full-doc and alt-doc jumbo, plus super-jumbo above $2M for Park City and Deer Valley, and the Medical Professionals program for Intermountain Health and University of Utah Health doctors: up to 100% LTV, no PMI, FICO 680.
See Jumbo / Doctor details →Investor & DSCR Loans
DSCR loans that finance below a 1.0 ratio; sub-1.0 programs are on our investor menu. Short-term-rental options tuned for St. George and Park City nightly-rental markets.
See Investor / DSCR details →First-Time Home Buyer Loans
FHA, USDA (zero down in Tooele and much of Cache Valley), and Conventional 97, plus UHC DPA-paired structures. Built for the Utah buyer with real-life income and credit, not a perfect-paper applicant.
See First-Time Buyer details →A loan officer who knows Salt Lake County and the Wasatch Front, not a call-center voice.
Mike Certo is the Branch Manager at Cornerstone First Mortgage, licensed across Utah. He and his team close files from Ogden to St. George and work directly with the buyer and agent through a Utah title-company closing (no attorney required here). No junior LO running the file behind the scenes. No handoffs in the middle of escrow.
What you get when you work with Mike:
- Direct line. Real cell phone, real return calls to your Wasatch Front or Washington County number within hours, not days.
- Real numbers. Honest math on whether UHC FirstHome, the $20,000 SB 240 loan, or plain FHA fits your scenario, including when the amortizing Utah Housing DPA second isn't worth it.
- Files that close. Mike specializes in the hard files: Silicon Slopes equity compensation, Park City contingency removal, Intermountain Health jumbo with student debt, St. George investors at scale.
Common questions.
Why does UT Loan Experts have multiple websites?
Each Utah lending niche has its own questions. We built dedicated guides for Utah Housing down payment assistance, Buy Before You Sell for Wasatch Front move-up buyers, self-employed loans for Silicon Slopes owners, Park City jumbo, and St. George investor paths, so buyers land on the answers that fit their county. UT Loan Experts links them all.
What kind of borrowers do you typically work with?
First-time buyers using Utah Housing down payment assistance, self-employed borrowers who need bank-statement or 1099 loans, Park City jumbo borrowers including Intermountain Health doctors, St. George investors using DSCR for rental properties, and Wasatch Front move-up buyers who need bridge financing to remove the contingency from their offers. Our Utah first-time home buyer guide maps the low-down-payment paths.
Do you work with real estate agents?
Yes. Complex files are our specialty across the Wasatch Front and Washington County. Listing agents bring us their CCBS files (contract contingent on buyer sale) so we can provide bridge financing that removes the contingency. Buyer agents bring us Silicon Slopes self-employed files, Park City jumbo, or St. George investor deals. Visit the For Agents page for the full referral playbook.
What's the fastest way to find out if you can help me?
Call (480) 296-6513 and ask for Mike, or send your Salt Lake, Utah County, or Washington County scenario through the contact form. Our team calls you back shortly. Pre-approval on a Utah Housing or FHA file typically takes 24-48 hours once credit and income docs are in.
Ready when you are, from Salt Lake City to St. George.
Get pre-approved on a Utah Housing, FHA, or Park City jumbo file in 24-48 hours, or talk to Mike first to figure out which path fits your Salt Lake, Utah, or Washington County purchase.