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Directory of fha loan specialists in Roy, Utah. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Roy, UT
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Utah before hiring.
Showing 3 fha loan specialists in Roy, UT
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Savvy Loan Lingo
4655 S 1900 W #11, Roy, UT 84067
8016863200
Augusta Mortgage
4655 S 1900 W #4, Roy, UT 84067
8013903316
Jennifer Nielsen - Bank of Utah Mortgage Loan Officer
5729 S 1900 W, Roy, UT 84067
8016890908
An FHA loan specialist in Roy, Utah can help you navigate the process of obtaining a government-backed mortgage insured by the Federal Housing Administration. Utah law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Working with a local specialist familiar with Weber County property values and Utahs first-time homebuyer programs can streamline your application.
What Does a FHA Loan Specialist in Roy Cost?
Typical costs for an FHA loan in Utah include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, plus an annual mortgage insurance premium (MIP) ranging from 0.45 percent to 1.05 percent depending on loan term and down payment. Closing costs in Roy generally range from 2 to 5 percent of the purchase price, including appraisal fees (around $500 to $700) and lender fees. Costs vary by lender and borrower qualifications. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the minimum down payment requirements for an FHA loan in Roy Utah?
FHA loans require a minimum down payment of 3.5 percent of the purchase price if your credit score is 580 or higher. If your credit score is between 500 and 579, you may need a 10 percent down payment. These requirements apply uniformly across Utah including Roy.
Are there Utah-specific limits on FHA loan amounts for Roy?
Yes, FHA loan limits are set by county. For Weber County which includes Roy, the 2025 FHA loan limit for a single-family home is typically around $498,257 for standard areas. High-cost area adjustments do not apply to Weber County. Check with your specialist for the exact current limit.
Do I need to live in Roy to use an FHA loan for a home there?
Yes, FHA loans are intended for owner-occupied primary residences. You must occupy the home as your primary residence within 60 days of closing. This rule applies to all FHA loans in Utah including properties in Roy.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Utah.