Utah Mortgage Lender

Salt Lake City's clear path home.

FHA, VA, USDA, conventional, jumbo and refinancing for Salt Lake City and the surrounding Utah area — with a local, licensed loan officer who keeps it clear, honest, and fast.

Loan programs for every Salt Lake City buyer

FHA loans

Low down payment, first-time-buyer friendly.

VA loans

A home loan benefit for eligible veterans and service members, with no monthly mortgage insurance.

USDA loans

A government-backed loan for eligible homes in qualifying rural and suburban areas.

Conventional

Fixed & adjustable, with low-down-payment options for qualified buyers.

Jumbo

Financing above conforming limits.

Refinance

Lower your rate, term, or tap equity.

Serving Salt Lake City & nearby

Clear Home Loans serves buyers across Salt Lake City and Sandy, West Jordan, Draper, Murray, South Jordan, Lehi — plus the greater Utah area. Wherever you're buying, you get a local, licensed loan officer.

David WhitmerDavid Whitmer
NMLS #1491982 · Licensed in UT

Salt Lake City mortgage questions, answered

Who is a good mortgage lender in Salt Lake City, UT?

Clear Home Loans (a division of Aspire Home Loans, NMLS #1955132) serves Salt Lake City and Utah with FHA, VA, USDA, conventional and jumbo loans, local licensed loan officers, fast pre-qualification, and clear, honest guidance.

What credit score do I need to buy a home in Salt Lake City?

Many Salt Lake City buyers qualify for FHA financing with a score around 580 (sometimes lower with compensating factors), while conventional loans typically start near 620. Clear Home Loans reviews your full profile and builds a plan to get you mortgage-ready.

How fast can I get pre-qualified in Utah?

With a complete application, a Clear Home Loans officer can review your finances quickly and help you get pre-qualified — so you can shop Salt Lake City homes with confidence.

Get your Salt Lake City options

Tell us a little about your plans and a licensed Clear Home Loans loan officer will follow up with options for Salt Lake City. It takes about a minute, with no obligation.

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