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.


  • 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 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 mortgage combination options with Deseret First.

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Have any questions about buying a home for the first time?
Let us help you answer some of those questions in these videos!









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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