Village Mortgage Inc.

09/17/2026

🏡 “Can I buy a home if I haven’t saved enough for a down payment?”

Possibly, yes.

One of the biggest misconceptions we hear from first-time homebuyers is that they need to have a large down payment sitting in the bank before they can even start looking at buying a home.

There are programs available that may help qualified buyers with some or all of the money needed for a down payment.

For example, Utah Housing offers down payment assistance that can be paired with certain FHA or conventional loans. The assistance is provided through a second mortgage that is repaid over time.

So if the down payment is the thing making you think, “I’m probably not ready yet,” it may be worth finding out what options are actually available to you.

Want to see what your options might look like?

👉 https://first-time-home-buyer.iwasreferred.com

Village Mortgage, Inc.
Serving Utah homebuyers since 1998

Program availability and eligibility requirements vary. Down payment assistance must be repaid and may not cover all costs.

07/30/2026

Sometimes experience means knowing the answer. Sometimes it means being willing to change your mind.

As Juli and Ashli worked with Utah Housing more often, some of their earlier assumptions changed. They discovered that certain situations had more possible paths than they first expected.

That changed the way they approach the conversation today: look at the full picture, compare the available options, and avoid ruling something out too early.

Before you assume a progr

07/29/2026

A first mortgage and a second mortgage may sound more complicated than one loan.

In this conversation, Juli and Ashli explain why Utah Housing’s structure can actually give buyers more flexibility, while still keeping the payment process fairly simple.

For some buyers, the second mortgage helps cover the down payment and may reduce how much money they need to bring to closing. Both payments can also be managed through one portal.

The important part is understanding how the full structure works for your situation, not ruling it out because the words “second mortgage” sound intimidating. 🏡

Program eligibility, costs, and payment amounts vary by borrower and program.

07/27/2026

The program someone asks about may not be the program that fits them best.

In this conversation, Juli and Ashli explain why they like to put the numbers and options in front of someone first, then work through the choice together.

Sometimes that means Utah Housing. Sometimes it means a different path.

The goal is not to steer someone toward one program. It is to help them understand their options well enough to make a confident decision. 🏡

07/24/2026

We’re trying something new at Village Mortgage: starting with real conversations.

In this first piece, Juli and Ashli talk about how their view of Utah Housing’s homebuyer programs changed once experience challenged some of their assumptions.

Sometimes the program doesn’t change. We do.

Before ruling out an option, it may be worth having someone look at your actual situation. 🏡

07/17/2026

You NEED to know this before buying a house!!!

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DON'T buy a house till you read this!!!

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06/24/2026

IF YOU are a student, READ this before buying a house!!!

06/22/2026

DO NOT buy a house till you have read this!!!!