📊LIVE RATES
30-Yr Fixed6.89%-0.04%|
15-Yr Fixed6.22%-0.03%|
5/1 ARM6.41%+0.02%|
FHA 30-Yr6.63%-0.05%|
VA 30-Yr6.31%0.00%|
Jumbo 30-Yr7.12%+0.06%|
30-Yr Fixed6.89%-0.04%|
15-Yr Fixed6.22%-0.03%|
5/1 ARM6.41%+0.02%|
FHA 30-Yr6.63%-0.05%|
VA 30-Yr6.31%0.00%|
Jumbo 30-Yr7.12%+0.06%|
Mar 20, 2026
Updated for 2026 · Davis County Edition

Your First Home
in Utah.
7 Steps. No Surprises.

The most complete first-time buyer guide for Davis & Weber County. Built by Dr. David R. Haws — 19 years, $200M+ sold, and hundreds of first-time buyers guided to the closing table.

Your Progress0 of 7 steps
STEP 01Week 1

Know Your Numbers

Before you fall in love with a house, fall in love with your budget.

Check your credit score (free at annualcreditreport.com)
Calculate your debt-to-income ratio (should be under 43%)
Save for down payment: 3.5% FHA, 5–20% conventional, 0% VA
Budget for closing costs: 2–3% of purchase price in Utah
Set a monthly payment target (rule: no more than 28% of gross income)
Dr. Haws' Tip: Dr. Haws' rule: If your monthly payment exceeds 28% of your gross income, you're buying too much house. Utah's median income is $82K — that means a $1,900/month payment is the comfort zone.
STEP 02Week 1–2

Get Pre-Approved

Pre-approval is your permission slip to shop seriously.

STEP 03Week 2

Find Your Agent

The right agent costs you nothing and saves you thousands.

STEP 04Weeks 2–6

Search & Tour Homes

See at least 7 homes before making an offer.

STEP 05When ready

Make an Offer

Your offer is a negotiation, not a final answer.

STEP 06Days 1–14 after offer

Inspection & Appraisal

Two reports that protect your biggest investment.

STEP 07Days 21–30

Close & Get Your Keys

The finish line — and the starting line.

Common Questions from Utah First-Time Buyers

Dr. David R. Haws

Get Your Free First-Time Buyer Plan

Dr. Haws will map out your exact path to homeownership — free, no pressure.

(801) 915-4315·No obligation · Responds in 2 hours
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