Mortgages in Utah

Rural-property mortgages handle homes on larger parcels, properties outside zoning conformity, and locations where typical agency guidelines tighten. USDA loans offer 0% down financing in USDA-designated rural areas, while FHA and conventional lenders cover rural homes up to specific acreage limits. A growing set of non-QM lenders explicitly welcome rural and acreage properties up to 10 acres without the usual deductions.

Utah at a glance

Major metro
Salt Lake City
2026 conforming loan limit (1-unit)
$832,750 to $1,249,125
High-cost counties
Yes
Active matching programs
18

Who it's for

Buyers of rural homes outside city limits, farmette buyers with 2-10 acres, hobby-farm purchasers, and investors targeting rural-vacation or short-term-rental properties where standard agency guidelines fall short.

Programs available in Utah

Conventional Mortgage Program

confirmed 5/15/2026

Financing options for manufactured homes including FHA, Fannie Mae, Freddie Mac, VA, and USDA loan programs for eligible properties.

ITIN Mortgage Program

confirmed 5/16/2026

Non-QM and ITIN loan programs now allowing rural properties for primary residences and second homes with specific LTV and loan amount restrictions.

LTV up to 70%alt-doc

FHA Mortgage Program

confirmed 5/10/2026

Government and Down Payment Assistance programs including FHA, VA, and USDA with pricing improvements for April.

USDA Mortgage Program

confirmed 5/16/2026

USDA loan program offering temporary interest rate buydown options including 1/0, 1/1, and 2/1 structures to lower initial monthly payments.

Jumbo Mortgage Program

confirmed 5/18/2026

A pricing incentive offering 90bps on various rate and term refinance products, including conventional, jumbo, FHA, USDA, FHA Streamlines, VA IRRRLs, and VA Type 1 Cash-Outs.

Non-QM Mortgage Program

confirmed 5/12/2026

A no-income, no-doc, no-ratio loan program designed for borrowers who do not meet traditional underwriting guidelines. It supports purchase, rate/term, and cash-out transactions with loan amounts up to $3M.

FICO 620+LTV up to 80%no-income

Specialized Mortgage Program

confirmed 5/11/2026

Loans for properties purchased for hunting, recreation, or future use, accommodating unique characteristics like larger acreage and limited improvements.

Specialized Mortgage Program

confirmed 5/11/2026

Financing for rural properties and land use that does not align with standard mortgage programs, including properties that may not operate as full-scale agricultural businesses.

FHA Mortgage Program

confirmed 5/13/2026

Manual underwriting for government loan programs accepting FICO scores below 580.

FICO 500+

USDA Mortgage Program

confirmed 5/13/2026

Flexible manual underwriting for USDA loans, allowing for approvals that do not meet standard AUS requirements.

Conventional Mortgage Program

confirmed 5/10/2026

Financing options for manufactured homes including FHA, Fannie Mae, Freddie Mac, VA, and USDA programs for properties meeting specific HUD and foundation requirements.

USDA Mortgage Program

confirmed 5/11/2026

USDA rural development loans offering up to 100% LTV with competitive pricing and a streamlined process.

FICO 600+LTV up to 100%full-doc

Specialized Mortgage Program

confirmed 5/29/2026

Hard money financing solutions for real estate investors and buyers, including options for mobile homes, rural homes, and land.

USDA Mortgage Program

confirmed 5/9/2026

USDA rural development loans for primary residences offering 100% LTV and high balance options.

FICO 600+full-doc

USDA Mortgage Program

confirmed 5/9/2026

USDA loan program offering 101% financing with zero down payment for eligible rural properties, featuring fast closing times.

Asset-Qualifying Mortgage

confirmed 5/15/2026

Investment property loan program utilizing asset depletion for income qualification.

asset-depletion

Non-QM Mortgage Program

confirmed 5/15/2026

Investment property loan program utilizing profit and loss statements for income qualification.

LTV up to 85%p-and-l

Conventional Mortgage Program

confirmed 5/9/2026

Prime mortgage program for first and second liens with updated LTVs for P&L only documentation and expanded eligibility for rural properties and first-time homebuyers.

LTV up to 85%p-and-l, full-doc

Frequently asked questions

How is "rural" defined?

USDA uses its own eligibility map (search USDA Property Eligibility). Conventional and FHA generally consider it rural based on population density, lot size, and surrounding land use rather than a single threshold.

How many acres can I finance?

Most agency loans tolerate up to 10 acres without issue. Beyond that, programs vary - some non-QM lenders go higher; others require the value above 10 acres to be excluded.

Do outbuildings count toward value?

Usually only contributory value: a garage or barn adds appraised value, but pure utility outbuildings may not. The appraiser determines.

Can I get a USDA loan?

If the property sits in a USDA-eligible area and your household income is within USDA limits (varies by county and family size), USDA Guaranteed offers 0% down. We can check eligibility instantly.

Get a rate for Utah

Pricing for Salt Lake City and the rest of Utah. No personal information required.

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Today's mortgage rates

Conventional

5.875%

5.906% APR

FHA

5.375%

5.405% APR

VA

5.375%

5.402% APR

Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.