FHA Loan Specialists in Layton, UT — Compare & Find

Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Utah before hiring.

Showing 15 fha loan specialists in Layton, UT Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.

PRMI Home Financing

1597 Woodland Park Dr #100A, Layton, UT 84041

(801) 736-7736 prmihome.com

American Pacific Mortgage Layton (NMLS #1446817)

27 S Main St, Layton, UT 84041

(801) 390-8282 apmortgage.com

Primary Residential Mortgage, Inc. - The Dale Stanford Team

579 Heritage Park Blvd Suite 140, Layton, UT 84041

(801) 476-4663 primeres.com

Garrett Hansen, AMP - Diversified Home Loans

1544 Woodland Park Dr Suite 300 B, Layton, UT 84041

(435) 770-4802 dh-loans.com

Guild Mortgage - Zachary Hayes

1086 UT-193 #102, Layton, UT 84040

(385) 238-4382 branches.guildmortgage.com

Lifetime Home Loans - Co. NMLS #1861406

664 W Antelope Dr, Layton, UT 84041

(801) 774-1699 lifetimehomeloans.com

Brett Wilson - Preferred Rate

52 Main St 1st Floor, Layton, UT 84041

(801) 497-6403 preferredrate.com

James Hirst Loan Officer NMLS# 880547 American Pacific Mortgage Layton

27 S Main St, Layton, UT 84041

(801) 860-7151 apmortgage.com

Guild Mortgage - Brady Peterson

1086 UT-193 #102, Layton, UT 84040

(385) 405-2392 branches.guildmortgage.com

Hometown Mortgage, Co.

476 Heritage Park Blvd Suite 200-B, Layton, UT 84041

(801) 520-8475 thehtmortgage.com

Guild Mortgage - Jess Patterson

1086 UT-193 #102, Layton, UT 84040

(801) 614-5131 branches.guildmortgage.com

Burke Christensen Loan Officer NMLS#308203 American Pacific Mortgage Layton

27 S Main St, Layton, UT 84041

(801) 336-6650 apmortgage.com

Jen Jones Branch Manager/ Loan Originator NMLS #247020 American Pacific Mortgage Layton

27 S Main St, Layton, UT 84041

(801) 390-8282 apmortgage.com

Rachel Wheatley Loan Officer NMLS#2139549 American Pacific Mortgage Layton

27 S Main St, Layton, UT 84041

(801) 920-7417 apmortgage.com

Josh Vollmer - American Pacific Mortgage

27 S Main St, Layton, UT 84041

(435) 363-5278 apmortgage.com

An FHA loan specialist in Layton, Utah helps homebuyers navigate government-backed loans with lower down payments and flexible credit requirements. Utah law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Specialists in Layton understand local housing market conditions and can guide you through FHA guidelines specific to Utah properties.

What Does a FHA Loan Specialist in Layton Cost?

Typical costs for an FHA loan specialist in Utah include an origination fee of 0.5 to 1 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent. Closing costs in Utah generally total 2 to 5 percent of the purchase price. This is general information, not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What does an FHA loan specialist in Layton do?

An FHA loan specialist helps you apply for an FHA-insured mortgage, explains credit and income requirements, and assists with documentation. They also advise on Utah-specific property eligibility and appraisal standards.

What are the FHA loan requirements in Utah?

FHA loans require a minimum 3.5 percent down payment and a credit score of at least 580. Borrowers must have a valid Social Security number and lawful residency in the United States. Utah does not impose additional state-specific FHA requirements beyond federal rules.

How do I find a licensed FHA loan specialist in Layton?

You can search the NMLS Consumer Access website to verify a loan originator license. Many local banks and mortgage companies in Layton employ FHA specialists. Ask for referrals from real estate agents or check online reviews.

FHA Loan Specialists in Other Utah Cities

Alpine · American Fork · Bountiful · Brigham City · Cedar City · Centerville · Clearfield · Cottonwood Heights · Draper · Eagle Mountain · Farmington · Grantsville · Herriman · Holladay · Hurricane

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state state mortgage licensing authority association before hiring.

About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the State Mortgage Licensing Authority of Utah.

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