USDA Loan Lenders in Salt Lake City, UT

USDA Approved Lenders for Lehi Utah

Security Home Mortgage is a USDA-approved lender serving clients in the Salt Lake City, UT, area with quality financing advice and guidance. If you want to live in an area that’s considered rural, then you may be eligible for a USDA mortgage loan. That’s because this type of loan is designed to attract home ownership in agricultural municipalities. Check here under Single Family Housing Guaranteed, to see if the home you want to buy is a designated area. Our mortgage banker and USDA lender, Ryan Harding, can determine whether you qualify and assist you in gathering the paperwork necessary to apply.

USDA Financing for Your Mortgage

USDA mortgage loans are advantageous because they typically have lower interest rates because they’re insured. This means that in the event that a homeowner can’t make their mortgage payments and defaults on the loan, the USDA will make the payment for them. One requirement of USDA financing is you can’t exceed a certain income threshold designated for that fiscal year and is contingent on the number of dependents you have. Another criterion is to have no more than 20% down in liquid assets available to you, not including your retirement savings. Chlick here under Income Limits to learn more about income restrictions.

Other good-to-know information about USDA mortgage loans include the following:

  • Minimum credit score of 640

  • Income and assets restrictions

  • Location designated as rural

  • Lower mortgage insurance rates

  • Lower interest rates

  • Loan is insured by USDA

  • 0% minimum down payment

Meet with our USDA loan lenders near Salt Lake City, UT, to speak with a dedicated mortgage banker about your eligibility. With our skilled loan consultant assisting you with the application process, you have a better chance of your loan approval going smoothly and quickly. Our USDA-approved lenders are different in that we have flexible options through our established relationships with industry professionals.

Set a Consultation with Our USDA Lender

Ryan Harding is an experienced mortgage banker and USDA lender who helps those in Salt Lake City, UT, with their home loan applications. You can be that much closer to buying the home of your dreams with the help of our experienced team. Set a consultation with Security Home Mortgage to learn more about USDA financing. Call us at 801-228-0937 for more information

Free Rate Quote!

Get free rate quote and closing cost analysis. Use our 3 Step form to get started!


Step1 rates


Step2 rates


Step3 rates