From renter to homeowner
Renting now doesn’t mean renting forever. Use these tools to see when buying makes sense for you, and what it takes to get there.
The path, in five steps
Know your credit
Pull your free credit reports, dispute errors, and pay every bill on time. Many Utah loan programs look for scores in the 600s.
Save with a target
Use the savings calculator below to set a real number and a timeline.
Take a homebuyer education course
Utah down payment help usually requires one. It’s short and you can take it online.
Get pre-approved
A lender confirms what you can borrow and which programs fit. Shop at least two lenders.
Time it with your lease
Start shopping in the last three to four months of your lease, so you move without breaking it.
Help with your down payment
Utah Housing Corporation, the state’s housing finance agency, offers first mortgages paired with down payment assistance through approved lenders. The assistance is usually a second loan that can cover much of the down payment and closing costs. Income, price and credit limits apply, and a homebuyer education course is usually required.
Some cities and counties run their own programs too. Program amounts and rules change, so confirm the current details with a lender or at utahhousingcorp.org.
Talk with Troy about buying
Troy Moultrie is an Associate Broker with Real Broker, LLC, and has helped Southern Utah buyers since 2019. Before real estate he spent decades building and remodeling homes by hand, and he recently earned his Utah B100 general contractor license. His promise is simple: he’ll tell you the truth about the house.
A consultation is free. Troy will look at your timeline, explain the loan and assistance options, and connect you with lenders to compare.
Call or text (435) 264-1444, or send the form below.