20% Down Payment ( Salt Lake County)
25% Down Payment ( Davis, Utah, Weber Counties )
Must have a valid ITIN ( Individual Tax Identification Number ) SS# not required.
2 forms of ID required ( ITIN can be used)
FICO score credit from ITIN 680 or higher ( at least 1 score)
Must have filed 1040 taxes for previous 3 years.
An applicant can have worked for different employers but must have 3-year continuous work history.
A reasonable determination that employment and residency will continue.
Single-family residence – detached only
Delineated MSA ( Metropolitan Statistical Area)