Weber County Mortgage Guide 2025: Loan Options Every Buyer Should Know
Weber County Mortgage Guide 2025: Loan Options Every Buyer Should Know
Why Weber County Buyers Need the Right Loan Strategy
Weber County has seen modest growth with average home values around $455,708, up about 2.3% over the past year. Homes are going pending in roughly 27 days, and inventory is tighter than many expect. You’ll want to have a strong loan strategy so you can act fast when the right home appears.
FHA Loans: A Solid Start for First-Time Buyers
FHA loans are backed by the Federal Housing Administration and remain a favorite among first-time buyers.
Down payment as low as 3.5%
Flexible credit requirements
Gift funds allowed for down payment and closing costs
✅ Best for: Buyers with lower credit or limited savings.
VA Loans: The Ultimate Benefit for Veterans & Active Duty
If you’re a service member, veteran, or surviving spouse, VA loans offer unbeatable benefits.
0% down payment
No PMI (private mortgage insurance)
Favorable interest rates
✅ Best for: Eligible military borrowers seeking low upfront costs.
USDA Loans: Zero Down for Rural Utah Areas
Most of Utah County is not USDA-eligible, but if you’re house-hunting outside the urban centers—think Eagle Mountain, Cedar Fort, or parts of Payson—you might qualify.
0% down payment
Lower mortgage insurance than FHA
Income and location restrictions apply
✅ Best for: Buyers considering rural or outlying areas.
Conventional Loans: The Flexible Middle Ground
Conventional loans remain the most widely used mortgage type across Salt Lake County.
Down payment as low as 3% (20% avoids PMI)
Competitive rates with strong credit
More options for second homes and investment properties
✅ Best for: Buyers with good credit and stable income who want flexibility.
Jumbo / Conforming Loan Limits in Weber County
For 2025, the conforming (conventional) loan limit in Weber County is $806,500. The FHA loan limit is $744,050. Homes priced above the conforming limit will require a jumbo loan
Which Loan Is Right for You?
There’s no one-size-fits-all mortgage. The best loan for you depends on your credit, income, military service, and the neighborhood you're targeting in Salt Lake County.
👉 That’s where I come in. As a broker, I work with over 200 lenders to match you with the right program — whether that means saving money upfront or locking in a low monthly payment.
FAQs About Weber County Mortgages
What’s the minimum credit score for a mortgage in Salt Lake County?
FHA: 580+ (3.5% down)
Conventional: 620+
VA: No official minimum, but most lenders prefer 580–620+
Are home prices dropping in Weber County?
Not exactly. While Redfin reports some depreciation in sale price year‑over‑year (about ‑2.2%), Zillow still reports overall value growth of +2.3%. That suggests some volatility depending on neighborhood. Buyers in Ogden, Pleasant View, or the outskirts will see different conditions.
Can I buy a home in Davis County with 0% down?
Yes, through VA loans if you qualify. USDA loans generally aren’t available within the county itself but may apply just outside its borders. I also work with lenders offering no-down-payment options based on credit and income.
Final Takeaway
Weber County is showing mixed signals: home value growth in some areas but softness in sales price elsewhere. Being pre‑approved, knowing your loan limits, and being ready to move will make a difference. If you wait too long, the right property may slip away.
📞 Ready to explore your options? Give Justin, That Mortgage Guy a call today to help you with your options. (855)-962-LOAN
