First Time Buyer Mortgages


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.


  • Down Payment Assistance up to $5,000.
  • Designed for applicants with limited down payment and credit history.
  • Co-signer may strengthen application.
  • Conventional Ā loans 10, 15, 20, 25, and 30-year fixed terms, with up to 97% 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 mortgageĀ combination options with Deseret First.

If you’d like to learn more about the process, what to expect, and how to get started click below to view a PDF about the process.


Fields marked with an * are required

Request Information

Have any questions about buying a home for the first time? Let us help you answer those questions! Visit a branch or call a Mortgage Officer today at 801-456-7070 or 1-800-326-3328 ext. 7070, M-F 8:30 am- 5:30 pm.

Loan Calculator...

Total Loan Amount ($)
Annual interest rate (%)
Term of loan (months)
Estimated Monthly Payments:
$ 0
Apply Now


Choose which benefits are best for you! Get the Credit or Debit Card that fits your needs.

Learn More


Let us help you today! Find a location near you.

Learn More