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Unique Loans

If your needs aren't within the framework of more traditional loans, we have some other options for you.

Construction Loan Program

Best Choice If:

  • You want a customized home, in which you choose the design.
  • You have chosen a floor plan and a builder, now all you need is the construction financing.
  • You may be able to save money by building your own home. Evidence of home building experience required.
  • Advantages:

  • Variable interest rate.
  • Term is six or nine months.
  • Forty-eight hour turnaround on draw requests.
  • Disbursement statements available upon request.
  • Self-build program available.
  • One loan officer for both construction and long-term loans.
  • Construction loans available to builders for model and spec homes.
  • We prepare IRS 1099 forms for all suppliers and subcontractors.
  • Mechanic lien waivers obtained for each payment.
  • Disadvantages:

  • Construction loans are not available in all areas.
  • Changing market conditions may increase your interest charges.
  • Evidence of 10-20% equity in proposed home required.
  • Utah Housing 30 Year Fixed No MI

    Mortgage Rates

    The Loan Consultant feature determines the products and rates that match your needs.

    Ready to Start?

    To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.

    Apply