FHA Loan Specialists in Saratoga Springs, 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 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

(385) 214-8139 facebook.com

Mountain Point Mortgage

87 N Desert Sage Cir, Saratoga Springs, UT 84045

(435) 703-3800 mountainpoint.mortgage

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.

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

Free • No Obligation

Compare FHA Loan Specialists

Get matched with agents in Saratoga Springs who handle your type of case.

Affiliate Form Embed

Replace with iframe/embed code
from your affiliate network

Affiliate Disclosure The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.

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.

Report an error or request listing removal

Email [email protected] — removal requests are typically processed within 7-10 business days.