The Best Mortgage Lenders in Kaysville, UT
Compare verified mortgage lenders serving Kaysville, Utah. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Kaysville
Featured Mortgage Lenders
Mountain America Credit Union Mortgage Division
Mountain America Credit Union
Mountain America Credit Union is one of Utah's most trusted financial institutions with deep roots in the Davis County community. They offer highly competitive mortgage rates and exceptional member service, consistently earning top ratings for their personalized approach to home financing. Their local branch presence in nearby Layton provides convenient in-person service for Kaysville residents, and they're known for their expertise with first-time homebuyer programs and VA loans.
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Intercap Lending
Intercap Lending, Inc.
Intercap Lending is a highly-rated Utah-based mortgage company that serves the entire Wasatch Front, including Kaysville. They've built an outstanding reputation for their efficient processing, competitive rates, and exceptional customer service. With numerous awards and industry recognition, they specialize in making the mortgage process smooth and transparent. Their local expertise in Utah's unique housing market makes them a top choice for Kaysville homebuyers.
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Guild Mortgage Company - Layton Branch
Guild Mortgage Company
Guild Mortgage has been serving Utah communities for decades with a strong local presence in nearby Layton, just minutes from Kaysville. They're renowned for their wide range of loan products and exceptional customer service, particularly for first-time homebuyers and military families. Their experienced local loan officers understand the specific needs of Davis County residents and provide personalized guidance throughout the entire home financing process.
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Frequently Asked Questions
Common questions about mortgage lending in Kaysville, UT
Are there any down payment assistance programs specifically for Kaysville, UT, homebuyers?
Yes, the Utah Housing Corporation (UHC) offers statewide programs like the FirstHome and HomeAgain loans, which are widely used in Kaysville. These programs provide competitive interest rates and down payment assistance in the form of a second mortgage. Additionally, some local lenders may have partnerships or specific knowledge of grants for Davis County residents, so it's beneficial to consult with a mortgage broker familiar with the area.
How do Kaysville's property taxes affect my mortgage payments and qualification?
Kaysville is in Davis County, which has historically had some of the lowest property tax rates in Utah. While rates are low, home values have risen significantly, so the actual tax amount is a key factor. Your lender will calculate an escrow estimate based on the specific property's assessed value, which impacts your total monthly payment and debt-to-income ratio during qualification. It's wise to get a precise tax estimate for any home you're considering.
What is a typical down payment percentage for a conventional loan on a Kaysville home given the local market?
While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in Kaysville's competitive market secure conventional loans with 5%, 10%, or 15% down. Given the median home price in Kaysville is above the state average, a lower down payment can help with affordability, but be prepared for stronger offers if you can put down 10% or more, as sellers often favor buyers with larger down payments.
Are USDA loans a viable option for any parts of Kaysville, UT?
Most of Kaysville is not eligible for USDA rural development loans, as it is considered a suburban area within the Ogden-Clearfield Metropolitan Statistical Area. However, it's crucial to check the official USDA eligibility map, as certain pockets on the eastern or northern edges of the city *may* qualify. For most buyers in central Kaysville, conventional, FHA, and VA (if applicable) are the primary loan options.
How does Kaysville's rapid growth and new construction impact my mortgage choices?
Kaysville has significant new construction, particularly in areas like the Kaysville East Bench. This offers access to builder-specific incentives and preferred lender programs that can include closing cost credits. For a new build, you'll often need a construction-to-permanent loan or a longer rate lock period. It's essential to work with a lender experienced in new construction financing to navigate the different draw schedules and appraisal processes.
Why Choose a Mortgage Lender in Kaysville?
Local Market Knowledge
Lenders who understand Kaysville's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Utah.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Kaysville and get competitive rates on your home loan.