Forgotten Your Password?

Need to Register?

Utah VA Loans

  • Buy a Home with 0% Down
  • Refinance to Lower Monthly Payments
  • Lower your monthly payment
  • Easy to Qualify
Property Zip Code
How is your credit?
Secure Form Privacy Policy | Terms of Use

Secure a VA Mortgage in Utah

Veterans of the US Armed Services who have chosen to reside in the state of Utah can take advantage of the Utah VA loan program to get the funds they need for a home purchase or refinance.  These loans are offered through private lenders but are backed by the Department of Veteran Affairs (VA), making them highly stable and advantageous for the veterans who use them.

Jump to: Eligibility | Loan Limits

What is the VA Loan?

The VA loan program is meant to help veterans purchase homes and remain in them successfully long term.  Again, the VA does not offer the loans.  The loans are made through private lenders.  But due to the VA’s backing of the loans, these lenders can offer more competitive rates and terms to the vetersn who work with them.

VA Loan Benefits in Utah

Some of the biggest benefits to veteran borrowers in Utah are listed here.

  • Multiple different loan term lengths available to choose from.
  • No private mortgage insurance necessary.
  • No down payment required.  You can purchase your home with no equity.
  • Minimal credit score requirements.

VA Loan Requirements and Eligibility

Eligibility for the VA loan program is not difficult to establish.  You must be a veteran, and that’s about the extent of it.  The necessary length of your service will depend on when you served, but typically, it must amount to at least 90 days of continuous active duty service.  You must not have been dishonorably discharged at any time during your service with the military.

You should have a minimum qualifying credit score of 620. Take the time to improve your score if it is poor so that you can secure the lowest VA mortgage rate possible. 

Get a certificate of eligibility (COE) from the VA Department.  Once you have this, you can use it to prove your eligibility to the VA loan specialist you work with.

VA Refinance

You can use your VA eligibility to refinance your home through a Utah VA Streamline refinance, or the VA IRRRL.  This is a great opportunity for veterans to save money.  The streamlined aspect of the loan process waives some of the fees of the refinance.  If you can get a lower mortgage rate, your monthly payments will decrease and you will possibly pay the loan off faster.

Borrowers may also withdraw up to 100% of their current home equity as cash using the VA Cash-Out refinance. The funds can be used for medical expenses, home improvement projects, tuition, and more. 

Utah VA Mortgage Rates

The mortgage rate of your VA loan is the price you’re paying to borrow the money.  Just like with any other product, you must shop around to find the best price before you buy.  Compare mortgage rates offered by different lenders to find the best deal available to you.

VA Lenders in Utah

Fill out the above form to start your research and get connected with up to four lenders in your part of Utah who can help you finance your VA loan.  You’ll want to ask about mortgage rates in the area, as well as other loan terms and VA loan limits.  For more information on all of this, contact the Department of Veteran Affairs.

Utah Military Information

Utah has three major military bases.  Utah is a major military state in the center of the nation and serves as a crucial hub for much of the nation’s military operations.  These bases are Hill Air Force Base, Dugway Proving Ground, and Tooele Army Depot.  These military bases are usually where VA home loan applicants in Utah live and work.

VA Loan Lending Limits in Utah

Below is the list of the maximum VA loan limits for counties in Utah:

County Loan Limit
BEAVER $417,000
BOX ELDER $417,000
CACHE $417,000
CARBON $417,000
DAGGETT $417,000
DAVIS $417,000
DUCHESNE $417,000
EMERY $417,000
GARFIELD $417,000
GRAND $417,000
IRON $417,000
JUAB $417,000
KANE $417,000
MILLARD $417,000
MORGAN $417,000
PIUTE $417,000
RICH $417,000
SALT LAKE $600,300
SAN JUAN $417,000
SANPETE $417,000
SEVIER $417,000
SUMMIT $600,300
TOOELE $600,300
UINTAH $417,000
UTAH $417,000
WASATCH $417,000
WAYNE $417,000
WEBER $417,000

Local Cities

user suit Lenders in: Utah.

Subscribe to our news feed.