Dr. David R. Haws has helped 500+ first-time buyers in Utah. This is the exact process he walks every client through — including programs that can save you $20,000+.
This is the #1 mistake first-time buyers make — falling in love with a home before knowing what they can afford.
Pre-approval tells you:
• Your exact budget (not just a guess)
• Your monthly payment at current rates
• What programs you qualify for (FHA, USDA, VA, Utah Housing)
• Any credit issues to fix before you're in a bidding war
Dr. Haws works with 3 top Utah lenders who can pre-approve you in 24 hours. Call (801) 915-4315 for a referral.
| Program | Min Down | Min Credit | Income Limit | Best For |
|---|---|---|---|---|
| Utah Housing Corp (UHC) | 0-3.5% | 620+ | Up to $120K | Most first-time buyers |
| FHA Loan | 3.5% | 580+ | No limit | Lower credit scores |
| USDA Rural | 0% | 640+ | Up to $110K | Outside SLC metro |
| VA Loan | 0% | 580+ | No limit | Veterans & military |
| Conventional 3% | 3% | 620+ | No limit | Good credit, higher income |
1. Not knowing about down payment assistance. Thousands of Utah buyers pay 10-20% down when they could have paid 0-3.5% with UHC or USDA programs.
2. Getting pre-approved by only one lender. Rate differences of 0.5% = $50,000+ over 30 years. Always compare at least 3 lenders.
3. Skipping the home inspection. A $400 inspection can save you from a $40,000 foundation problem. Never waive this.
Dr. Haws offers a free, no-pressure buyer consultation. He'll tell you exactly what you can afford, which programs you qualify for, and what the market looks like right now.