You don't need 20% down to buy a home in Davis County.
With FHA loans starting at 3.5% down and Utah DPA programs that can cover the rest, homeownership is closer than you think. I'll show you exactly what you qualify for — in one free call.
Davis County Expert
Local market knowledge you can trust
America's #1 Retail Lender
CrossCountry Mortgage — three years running
FHA, VA, Conventional & DPA
Every loan program at your fingertips
5-Star Rated
90 verified Google reviews
Buying a home shouldn't
be this stressful.
The Davis County market moves fast. Without the right guidance, it's easy to overpay, get stuck in a bad loan, or miss programs that could save you thousands.
Overwhelmed by options
FHA? Conventional? Down payment assistance? Every lender gives you different advice and you don't know who to trust.
Scared of the down payment
You think you need 20% down and that homeownership is years away. It's probably much closer than you think.
Losing offers in a fast market
You've been outbid already. Without a strong pre-approval from a recognized lender, sellers don't take your offer seriously.
No local expertise
You're working with an online lender or out-of-state company that doesn't know Davis County. Local knowledge matters.
This call is for you if…
I know Davis County
inside and out.
Every city has its own personality, price points, and buying dynamics:
Layton & Ogden
Affordable entry points, high inventory, and strong value. Ideal for first-time buyers looking to get into homeownership without stretching their budget.
Kaysville & Farmington
Top-rated schools, family-friendly neighborhoods, and more space. Perfect for move-up buyers ready to upgrade from a starter home or rental.
Near Hill Air Force Base
Close to base, strong resale values, and a tight-knit community. VA and conventional loan options available for active duty and civilian buyers.
Davis County at large
Moving to Utah from out of state? I'll help you find the right area based on your commute, budget, and lifestyle — before you even arrive.
Three steps to your
new home.
No jargon. No surprises. Just a clear process with a local expert in your corner.
Free strategy call
We'll review your income, credit, and goals. I'll tell you exactly what you qualify for, which programs fit, and how much home you can afford — in 15 minutes.
Get pre-approved
I'll issue you a strong pre-approval letter backed by CrossCountry Mortgage — America's #1 retail lender. Sellers and agents know our name.
Close with confidence
From offer to closing, I manage the loan process, keep you updated at every milestone, and make sure your numbers match what I quoted on day one.
Programs designed to get
you in sooner.
You might be closer to homeownership than you think:
FHA Loans
As low as 3.5% down with flexible credit requirements. A popular choice for first-time buyers in Layton and Ogden.
Conventional Loans
Competitive rates with as little as 3% down. Ideal for buyers with solid credit who want to avoid FHA's mortgage insurance premium.
Down Payment Assistance
Utah offers DPA programs that can cover part or all of your down payment. I'll check your eligibility and help you apply.
VA Loans
Zero down payment, no PMI, and competitive rates for active duty military, veterans, and eligible spouses. Tyler is a VA loan specialist.
Tyler Carlston
Tyler started his mortgage career with one mission: help veterans and first-time buyers get the service they deserve. As a nationally recognized loan officer and the branch manager of CrossCountry Mortgage's Salt Lake City office, he brings that same fight to every client in Davis County.
What Davis County
homebuyers are saying.
“Tyler was fantastic to work with and made the mortgage process incredibly easy. He walked me through each step and created personal videos explaining the next steps and the differences in our options.”
— Taylor S., Verified Google Review“My wife and I were not having a good experience with our current lender. So many questions left unanswered, completely confused. On top of that she was overcharging us, shrinking our buying power. Tyler changed everything.”
— Mike L., Verified Google Review“Tyler held our novice hands all through the mortgage process. He was always honest, up front and didn't over promise. There were no finish line surprises. All was smooth and successful. He really went to bat for us.”
— Scott B., Verified Google Review“Absolutely STELLAR service from Tyler! He made our first-time home buy an enjoyable experience from our first contact to closing. Tyler's knowledge, accessibility, and diligence is simply unmatched.”
— Michael T., Verified Google ReviewFirst-time homebuyer FAQs
Less than you think. FHA loans require as little as 3.5% down, conventional can go as low as 3%, and Utah's down payment assistance programs can reduce that even further.
FHA loans are available with credit scores as low as 580. Conventional loans typically require 620+. If your score is close, I can give you a quick action plan to boost it.
From pre-approval to closing, the average timeline is 30-45 days once you're under contract. The pre-approval itself takes about 24-48 hours.
Absolutely. I work with relocating buyers all the time. We handle everything by phone, video, and secure digital signing. I'll also connect you with trusted local agents.
We'll review your income, credit, and savings to determine your buying power. I'll explain which loan programs fit, estimate your monthly payment, and lay out a timeline. Zero pressure.
Book your free homebuyer
strategy call.
15 minutes. No commitment. I'll show you exactly what you can afford and which programs can save you money in Davis County.