USDA Home Loans in Cottonwood Heights, Utah

Buy or refinance your home with a USDA home loan.

Why Choose A USDA Loan For Your Home Purchase Or Refinance

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Up To 100% Financing

Other loans require you to have a down payment or equity in your home. USDA loans don’t require a down payment. This is perfect for those who don’t want to put money down or utilize their home’s equity.

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Lower Interest Rates

USDA home loans typically have lower rates than other loan programs. This makes your monthly payment more affordable and saves you money.

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Flexible Credit Guidelines

You don’t need perfect credit for a USDA home loan. USDA loans have lower credit score requirements and shorter waiting periods if you had a bankruptcy or foreclosure in the past.

What Other Homeowners Are Saying

     Excellent  
     Based on 34 reviews 
    
 
 
   
 
 
        
   Jenica Quisido 
 2023-09-06
 
 
  Jason Skinrood was very professional with us. He has helped us with every step until closing. This is our first purchase and had no clue what to do and he made us feel comfortable. My husband and I highly reccomend Jason Skinrood.
  
 
       
   Chip Shop 
 2023-08-15
 
 
  Jason is the best to work with.  My personal situation was unique and made the process challenging.  Jason was able to guide me through every obstacle that came up because he’s a pro!  He’s been a loan officer his entire professional career and he knows his stuff!  Thank you Skinrood and Supreme for making this happen!
John Hill -a happy customer
  
 
       
   SR T 
 2022-11-18
 
 
  Jason was very helpful with getting our family the funding for the house we always wanted. Thank you, Jason!
  
 
       
   bobbi jo roscoe-bryan 
 2022-10-19
 
 
  It was another Amazing experience working with Jason.  He is very knowledgeable, patient and thorough.
  
 
       
   Jessica Batson 
 2022-05-18
 
 
  Jason was amazing. Even when I thought for sure my loan wasn't going to go through, he stuck with it and made it happen! I've used him multiple times and am always satisfied and happy we the end result.
  
 
       
   Erik Easton 
 2022-04-15
 
 
  Working with Jason Skinrood on my VA Cash-Out Refi has been easy and seamless… I used Jason’s experience several years ago on a VA Streamlined Refi and that went so well that I knew I had to get back with him on the Cashout Refi. I truly believe that the entire process could not have gone any smoother or quicker. Jason works hard to get us Vets everything we deserve at a fair and up front price… no hidden fees to worry about later. Thanks Jason, I greatly appreciate your strait forward approach to this process. I HIGHLY RECOMMEND Jason for any of your VA loan needs.
  
 
       
   Robert Magarrell 
 2022-04-06
 
 
  Our experience working with Jason has been by far the best we have ever experienced! We are so grateful for his knowledge and experience with VA loans, that he responds immediately to all of our questions and I have never experienced working with someone that immediately answers the phone the way that Jason does.
  
 
       
   Zachary Altvater 
 2022-03-18
 
 
  Jason has been great to work with. He's been on top of things from the beginning, and hasn't thrown us any curveballs like other lenders do. We have been working with Jason for over a year now, and he has always stayed in contact and touched bases with us, never forgetting us. It was an easy process, and we have been thrilled with the hospitality.
  
 
       
   Michael Jansons 
 2022-02-24
 
 
  Jason has by far been one of the most understanding and easy to work with lenders I have ever worked with. I will definitely be recommending jason to all of my family and friends that are looking to buy a house. Again, best lender to work with hands down. If I could give him 10 stars I would. 10/10 recommend!
  
 
       
   S Bradbury 
 2021-12-15
 
 
  Jason was recommended by a friend when I was looking for a loan officer and I can't forward the recommendation enough!
Being that I wasn't working with a realtor, he pointed me in the right direction to find things the seller didn't have and helped me navigate the process with relative ease. He constantly checked in, followed up, and never let things just "hang" with minimal communication.
The biggest help was Jason and Supreme Lending covering the costs to extend our loan offer when additional information was needed we didn't have and didn't know we needed. We can't thank him enough for all his help in making my wife and I homeowners.
Thank you, Jason and the Supreme Lending team!

Cottonwood Heights USDA Home Loan FAQs

Find answers to your USDA loan frequently asked questions.

What are the benefits of a USDA loan?

USDA home loans offer a number of benefits over traditional mortgage products. For starters, USDA loans are only available on properties located outside metropolitan areas. These areas are generally more rural and makes them one of the most accessible loan products on the market. Additionally, USDA loans do not require a down payment, which can make them an attractive option for first-time homebuyers or those with limited savings. Finally, USDA loans typically have lower interest rates than traditional mortgages and less stringent credit requirements.

How do I qualify for a USDA home loan?

To qualify for a USDA home loan, you’ll need to meet the service requirements of the Department of Agriculture.

What FICO Score Is Needed For A USDA Loan?

The minimum FICO score needed for a USDA loan is 620 for most lenders. Some lenders will go lower to a 580 score or even as low as a 560 score. The interest rate you receive will largely depend on your credit score. Having a higher credit score will improve your mortgage rate and save you money each month on your payment.

What is the process of getting a USDA Loan?

The process of getting a USDA loan starts with getting preapproved from a loan officer. You’ll need to provide income documentation and possibly bank statements. The lender will also need to run a credit check.

Once you’ve been preapproved for your USDA home loan, it normally takes 45 days or less to close once you have a home under contract.

Do You Need A Down Payment For A USDA Home Loan?

USDA home loans do not require a down payment in most cases. One of the biggest advantages of using a USDA loan is being able to get 100% financing.

What Are The USDA Loan Limits?

USDA loan limits depending on the area the home is located in. The USDA loan limit can be found by using the USDA’s lookup tool.

Begin Your Journey Home

Schedule a 15-minute consultation to learn more about using a USDA home loan. Get answers to your questions and start your path to home ownership.

Schedule A Call

How To Choose A Mortgage Lender For Your USDA Loan in Cottonwood Heights

When looking for a lender to help with your USDA loan, it’s important to find someone who is local and specializes in USDA home loans. Compare your options by finding a loan officer that:

- Demonstrates knowledge of the USDA loan process and guidelines
- Has a network of other real estate professionals familiar with USDA loans
- Is familiar with USDA-required inspections for the area
- Knows what USDA resources are available to find the latest information
- Can show exceptional reviews and testimonials

Many mortgage lenders claim to specialize in USDA loans. However, they typically hire loan officers with little to no experience. The lender doesn’t underwrite the loans themselves, have extended closing times up to 45 days, make you work with a team instead of a single person and don’t respond to your inquiries during the process. Plus, you typically end up with a higher interest rate.

Choosing the right lender in Cottonwood Heights, Utah for your USDA loan could save you thousands of dollars and ensure a positive home buying or refinance experience.