Utah First-Time Buyer: Start Building Equity with $0 Down
Stop Paying Rent. Secure 100% Financing for Your New Home Today
15,000+
Utah Buyers Served
21-30
Days Average to Close
10+
Wholesale Network
The $0 Down Financial Advantage
Keep Your Cash. Upgrade Your Life
The Power of $0 Down: In Utah, the average home price means a 3.5% (FHA) down payment can cost over $17,500 in cash. Our 100% financing options eliminate this entire upfront cost.
3 SIMPLE STEPS
The Easiest Path
to $0 Down in Utah
Step 1: Get Fast Pre-Approval
Our local Utah team finds you the lowest wholesale rate available. Receive your official pre-approval letter fast, making your offer competitive.
Step 2: Find Your Perfect Loan Match
Our experts shop wholesale rates and match you with the best $0 Down option for your specific Utah neighborhood.
Step 3: Close on Your Home
We handle the complex paperwork and connect you with grant options to cover closing costs. You walk into your new Utah home with $0 Out−of−Pocket at the closing table.
Serving All of Utah
From the rapidly growing Wasatch Front to the beautiful Southern Utah communities. We are your local, trusted wholesale broker.
Salt Lake City
The Avenues | Sugar House | Daybreak | Millcreek
Utah County
Lehi | Saratoga Springs | Orem | Provo
Southern Utah
St. George | Washington | Ivins | Santa Clara
Your biggest monthly expense now builds your equity and long-term security. Stop paying a landlord; start investing in yourself.
TESTIMONIALS
What Our Buyers Say About Us?
The team at CutRate was fast, helpful, and made the process smooth. We went from renting to owning before we knew it!
CutRate made buying our first home easy. They found a $0 down option and kept everything clear from day one.
Refinancing with CutRate was simple and fast. They found a lower rate and handled everything start to finish. Highly recommend!
The Maximum Annual Percentage Rate (APR) is 5.8%.
Annual Percentage Rate (APR) calculations assume a purchase transaction of a single family, detached, owner-occupied primary residence: a loan to values ratio of less than 96.5%: a minimum FICO score or 740: a loan term of 360 months (30 years): and a loan amount of $540,038 for a FHA loans.
The monthly payment for this representative example is $3,067 (Principal and Interest only).
The total cost of the loan over the 30-year term, including all fees, is $1,103,859.
Rates are based off of pricing for 12/10/2025 and are subject to change without notice. Rates based on information gathered from Loansifter.com, an OptimalBlue site. Restrictions may apply. Ask for details. CutRate Home Loans NMLS # 2475259 is an Equal Opportunity Lender.
Office:
280 North 400 East Santaquin Utah 84655
Text:
Email:
CutRateHomeLoans.com © 2025. All Rights Reserved. (801) 400-3609
NMLS Company ID: 2475259 | www.nmlsconsumeraccess.org | NMLS # 313374
Annual Percentage Rate (APR) calculations assume a purchase transaction of a single family, detached, owner-occupied primary residence: a loan to values ratio of less than 75%: a minimum FICO score or 740: a loan term of 360 months: and a loan amount of $350,000 for conforming loans. Rates are subject to change without notice: Rates based on information gathered from Loansifter.com, an OptimalBlue site. Restrictions may apply. Ask for details. CutRate Home Loans NMLS # 2475259 is an Equal Opportunity Lender