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Utah Home Loans
Made Easy

Local Mortgage Experts

First Time Homebuyer Programs

Hassle Free Financing & Loan Options

Utah First-Time Homebuyer Programs

Have not owned real estate in Utah in the last 3 years.

SB 240 Bill

Qualify for $20,000 to help with the purchase of a NEW home.
Down payment assistance, rate buy down, or closing cost assitance.

New Build Incentive

Receive up to a $5000 credit on a new home on any property that has not been previously occupied. Includes spec homes! This can be combined with builder incentives.

First-Time Homebuyers

Low downpayment options with low or no monthly MIP. !00%financing available for Rural Housing. 3% down payment convention loan options.

Utah Home-Buying Grants

Utilize one of Utah's home-buying grants for financial assistance, reduced costs, favorable interest rates, and increased purchasing power. Find out if you qualify for a grant today!

Ogden City Grant


West Valley City Grant


CDC Grant


Neighborhood Works Grant

Utah USDA Qualifying Areas

USDA loans feature competitive interest rates and require little to no down payment, making them an attractive option for those seeking affordable financing. Additionally, these loans come with flexible credit requirements, accommodating a wider range of borrowers

Noteworthy Achievements

Walk MS gives a voice to the MS movement and brings us closer to a cure - RANlife has donated almost $53,000 to help the cause.

Learn More

RANLife was the first lender in Utah to roll out e-notes.

Greg Walker speaks to homeowners on x96 and Radio from Hell about how to navigate homeownership during the pandemic.

Listen To It Now
Noteworthy Achievements

Walk MS gives a voice to the MS movement and brings us closer to a cure - RANlife has donated almost $53,000 to help the cause.

Learn More

RANLife was the first lender in Utah to roll out e-notes.

Greg Walker speaks to homeowners on x96 and Radio from Hell about how to navigate homeownership during the pandemic.

Listen to it Now
What Can You Expect From RanLife Home Loans?
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Fast loan closings. Up to two times faster than the competition.

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In-house advantage. Because we have in-house processors and underwriters, including a certified USDA underwriter, you have the comfort of knowing that your loan is in our hands at all times, never with a third party.

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Accessible loan officers. Buying a house doesn't always fit between the hours of 9 to 5. When you need us, we're there.

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Low and competitive interest rates and fees.

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Direct Mortgage Lender and Servicer. We don't sell your loan to another mortgage company.