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Directory of fha loan specialists in Saratoga Springs, Utah. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Saratoga Springs, UT
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 Utah before hiring.
Showing 2 fha loan specialists in Saratoga Springs, 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.
Kevin Flint Mortgage Team - Loan Officer Powered by UMortgage
66 E Garibaldi Wy, Saratoga Springs, UT 84045
3852148139
Mountain Point Mortgage
87 N Desert Sage Cir, Saratoga Springs, UT 84045
4357033800
FHA loan specialists in Saratoga Springs Utah help home buyers secure government backed mortgages with lower down payments. These loans are popular in Utah because they allow down payments as low as 3.5 percent for qualified borrowers. Local specialists understand Utah specific property tax rules and county recording requirements for FHA insured loans.
What Does a FHA Loan Specialist in Saratoga Springs Cost?
Typical costs for an FHA loan specialist in Utah include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Closing costs in Utah range from 3000 to 8000 dollars depending on the loan size and lender fees. Some lenders charge an origination fee of 1 percent of the loan amount. This is general information and 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 are the main FHA loan requirements in Saratoga Springs Utah?
FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers must also have a debt to income ratio below 43 percent and the property must meet FHA appraisal standards. Utah law does not add extra state specific FHA requirements beyond federal rules.
How long does the FHA loan process take in Utah?
The typical FHA loan process in Utah takes 30 to 45 days from application to closing. This timeline includes appraisal underwriting and final approval. Delays can occur if the property needs repairs required by the FHA appraiser.
Are there Utah specific limits for FHA loan amounts?
Yes FHA loan limits vary by county in Utah. For Utah County which includes Saratoga Springs the 2025 FHA loan limit for a single family home is 498257 dollars. Higher limits apply for duplex triplex and fourplex properties.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial 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 mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, 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 Utah.