Buyers Programs

With one of the most diverse and extensive product lines in the industry, we have mortgage products to fit a variety of home financing needs. We’ve listed some of the most popular here. To learn which loan options are best suited for your individual situation, schedule a consultation with one of our Home Mortgage Consultant. We offer the most competitive mortgage loan programs available.


FHA Financing

Required Down Payment

  • 3.5% Down
  • Very low interest rate


  • 30 Year Fixed Mortgage
  • 20 Year Fixed Mortgage
  • 15 Year Fixed Mortgage
  • 3/1 Arm
  • 5/1 Arm
  • 7/1 Arm

Credit Score Requirements

  • We offer FHA Financing down to a 500 Fico score with additional down payment
  • with 3.5% Down payment a 580 credit score is required


VA Financing

  • No Down Payment Required
  • No Mortgage Insurance
  • Very low interest rate
  • Must have Certificate of Elgibility (COE)
  • In some cases no property taxes


Conventional Financing

  • Minimal Down Payment
  • Very Low Interest Rate
  • Mortgage Insurance not required with 20% down payment
  • Buyer can “Buy-out” mortgage insurance eliminating monthly payments


  • 30 Year Fixed
  • 20 Year Fixed
  • 15 Year Fixed

ARM Programs

  • 3/1 Arm
  • 5/1 Arm
  • 7/1 Arm
  • 10/1 Arm
  • Many more ARM programs that offer very low mortgage rates


Utah Housing Mortgage Program

  • No Down Payment required from buyers own funds
  • 2nd Mortgage to cover closing costs and down payment
  • Very low interest rate
  • Fixed rated mortgage
  • ARM programs available
  • Income Requirements must be met
  • Financing available in certain areas (check with us for details)


Bank Owned (REO, Foreclosure) Mortgage Financing

Home Path Financing

  • No Appraisal
  • No Mortgage Insurance
  • Minimal Down Payment of 3%
  • Fixed Rate Mortgage Terms
  • Variable Rate Mortgage Terms Available
  • Non-warrantable condos qualify
  • Owner Occupied
  • Second Home
  • Investor Financing

Home Steps Financing

  • Fixed and Variable rate programs available
  • Owner Occupied


USDA (rural housing mortgage)

  • No Down Payment
  • No Mortgage Insurance
  • Available in certain areas (call for details)
  • Very low mortgage rate
  • Fixed Rate Mortgage


Jumbo Mortgage Programs

  • Loan Amounts up to $3 Million
  • Minimal Down Payment
  • Extremely low mortgage rates
  • Fixed Rate Programs
  • ARM (variable rate programs)
  • We offer the very best jumbo mortgage programs available. Call us today to learn more about our programs.


Construction Loans and Financing

  • One time close options
  • Two time close options
  • 12 month build time (other options available)
  • Easy draw process for builders
  • Use equity in current home as down payment for new construction loan
  • Minimal down payment required
  • Very low mortgage rates
  • Bridge Financing
  • Loan to Value and Loan to Cost Options
  • Lot financing available


Down Payment Assistance Programs

The Mortgage Solutions TEAM has access to Down Payment Assistance Programs such as federal grants, HART Funds, state grants, county grants, city grants for people looking to buy a home but do not have a down payment. You have heard about these programs but very few mortgage professionals actually know how to get the money for their clients so they discount the fact that these programs even exist. The Mortgage Solutions TEAM of professionals helps clients with these programs on a daily basis so they understand how the programs work and how to get their customers approved for these funds.

If you’re buying a home in Utah, you might be able eligible to receive a free gift of money to help with the purchase of your home. Below is a list of areas that the Mortgage Solutions TEAM has access to grant programs that can be used as a down payment and/or closing costs. There are too many programs to list all of them. Contact the Mortgage Solutions TEAM to find out all of your options.


The Mortgage Solutions TEAM offers many more loan programs that are not listed on this page. If you are looking to purchase a home, contact one of our Mortgage Specialists and let us show you the best mortgage program available for you and your situation.


Mortgage Solutions TEAM
at Christian Roberts Mortgage
512 E. Winchester
Murray, Ut 84107
Ph 801.716.5246
Alt 801.716.5251
Cell 801.230.3107

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