Deseret First understands the dream of home ownership, but coming up with a 10-20% down payment may not be an option. With special mortgages for first time home buyers, Deseret First makes home ownership a reality.


  • Designed for applicants with limited down payment and credit history.
  • Co-signer may strengthen application.
  • Conventional  loans 10, 15, 20, 25, and 30-year fixed terms, with up to 95% financing.
  • FHA loans can receive up to 96.5% financing.
  • Veterans can receive up to 100% financing with a VA loan. 
  • Rural area applicants can receive up to 100% financing with a USDA loan. 
  • First and Second mortgage combination options with Deseret First. 


With so many options available, let Deseret First help find the right loan for you. Call a Deseret First Mortgage Officer at 801-456-7070 or 1-800-326-3328 ext. 7070, M-F 8:30 am- 5:30 pm.



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