Loan Programs

Get Help with Mortgages in Saint George, UT

USDA Loans in Rural Areas. No Money Down, Great Rates & Low Mortgage Insurance

  • Must have 620 FICO credit scores.
  • Two year consecutive employment history,
  • Two year consecutive employment history,not necessarily the same job.
  • Total family income not over $76.500 yearly income in most cases. Depends on number of family members.
  • See USDA website for eligible areas.
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1% Down Loan

  • Must have 700 FICO credit score.
  • Must have 700 FICO credit score.
  • Maximum income $59.600 yearly.
  • Two years consecutive employment not necessarily the same job.

FHA 3.5% Down Loans

  • 580 FICO credit scores.
  • No income limits.
  • Two year consecutive employment not necessarily the same job.
  • Down payment gift allowed.
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5% Down Construction Loan

  • 700 FICO credit score.
  • Must have long term loan with Patriot Mortgage.
  • Must have licensed contractor approval.
  • Construction portion with partner lender.

VA Loans (for Veterens)

  • 620 FICO credit score.
  • No money down.
  • No income limits.
  • No monthly mortgage insurance.
  • Less than two year consecutive employment.
Loan Programs

**Offer of credit is subject to credit approval/OAC See Lender for

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