Financing for building your dream home

Key Features

Build your dream your way

with construction loans.

Ease your budget,

focus on building.

One loan, two phases.

Build and settle with ease.



Credit Score

Your credit score might be the most important mortgage requirement.¹ With conventional loans, your score needs to be at least 680. If you don't meet that, we have other options.


Down Payment

The minimum down payment is based on several factors, including loan type, credit score, and debt-to-income (DTI) ratio.


Debt-to-Income Ratio

Your total monthly debt, including the new mortgage, should not exceed 43% of your gross monthly income. Exceptions can be made for borrowers with strong compensating factors.

For a complete list of requirements, please contact one of our loan experts. Loan requirements are subject to change. All information contained herein is for informational purposes only and while every effort has been made to unsure accuracy, no guarantee is expressed or implied. This is not an offer to extend credit or a commitment to lend.

¹Lower credit scores may require a higher down payment.

© 2024 Utah Mortgage, Inc. All rights reserved. 1525 North Main Street, Ste 100, Bountiful, Utah, 84010. NMLS #1432672 Equal Housing Lender. Licensed in 9 states. CA License No. 60DBO-146053, CO License No. 1525 North Main Street, Ste 100 Bountiful, UT 84010, NV License No. 500 North Rainbow Blvd, Ste 300, Las Vegas, NV 89107, License #4994, TX: 1525 North Main Street, Ste 100 Bountiful, UT 84010, WA: Consumer Loan Company License #1432672. If your state is not listed, it doesn’t require a specific license disclosure. For additional information visit our disclosure & licenses page.Any example scenarios are for informational purposes only, and while every effort has been made to insure accuracy, no guarantee is expressed or implied. Loans are subject to borrower and property qualifications. Contact any loan officer on the site, or the company directly for an accurate, personalized quote. Interest rates and any program guidelines are subject to change without notice. In addition, Utah Mortgage, Inc. complies with Section 8 of RESPA and does not offer marketing services in exchange for referrals.Any wholesale logos displayed are trademarks of their respective companies.