Shilo Zitting in Salt Lake City | First Time Home Buyer Programs
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first time home buyer programs

First Time Home Buyer Programs

Buying a home for the first time is a big decision. For most people it is an intimidating process. Keep in mind that in spite of the paperwork, finding on that is in your price range and all of the details that go into it that it is worth it in the end. Shilo Zitting and the Z Mortgage Team want to make sure that you take your time and to make sure that you choose the right program among all of the first time home buyer programs available.

There are many options available and Shilo and his tem will make sure you save as much money as possible and ensure that you can finance the home of your dreams.

FHA loans

If your credit score is less than stellar, this may be the program for you. The Federal Housing Administration backs a portion of home loans. With this type of loan, borrowers can qualify for loans with as low as 3.5% down.


The U.S. Department of Veterans Affairs enables veterans and surviving spouses buy homes, regularly without a down payment.

The U.S. Department of Agriculture has a mortgage application that targets rural areas and allows for 100% financing. To be eligible for many USDA loans, household income must meet certain guidelines. Also, the home to be purchased must be located in a USDA eligible rural area. Click the following link to find out if you might be eligible,

Low/No Down Payment Options

Because Shilo and the Z Mortgage Team have access to 70 lenders they can offer unique first time home buyer programs that include low and no down payment options.  Just to list a few, there are 100% financing options, a 1% and a ½% down payment option.

If you have further questions or are ready to get started with the mortgage process, contact Shilo and the Z Mortgage Team today at 801-550-1796 or 435-632-6796 or

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