Layton’s trajectory mirrors the broader Wasatch Front, but with gentler sticker shock. Median days-on-market dropped to 9 in March 2024, a record low, yet price per square foot remains $205—$75 less than neighboring Farmington. New construction is concentrated along the west side (Antelope Drive corridor) where builders like Holmes, Pulte, and Richmond American release 2–3 specs per month priced $450–550 k. Because Davis County’s jobless rate sits at 2.3 %—tied for lowest in the state—demand stays sticky. Interest-rate bumps have trimmed buying power by roughly 11 %, but local wage growth of 5.2 % offsets much of that erosion. For buyers, the takeaway is twofold: act quickly on turnkey listings, and lean on a lender who can close in 21 days or less. NMHL maintains a dedicated Layton pipeline; our in-house appraisal desk prioritizes Davis County orders so value disputes don’t derail your closing.

• Sunset & Clinton Border (84015): Starter-friendly ranches from $350–425 k; quick hop to Hill AFB back gate. Great for VA no-down buyers.
• East Layton / Adams Canyon: $475–575 k newer builds, trailheads in your backyard, top elementary schools. Fastest appreciation in city limits.
• Chapel / Aspen Heights: Golf-course adjacent, larger 0.25-acre lots, $525–650 k range. Popular with airline pilots using Salt Lake hub.
• West Layton (west of I-15): Horse-property zones where $600 k buys 0.5–0.75 acres. Perfect for self-employed buyers needing shop space.
• Central Layton (near Main & Gentile): Walkable to Layton Commons Park, library, and Frontrunner station; condos from $260 k, single-family $400–480 k.

Each pocket carries different HOA rules, flood-zone overlays, and Davis School District boundaries—important because high-school placement can swing value 4–6 %. NMHL’s loan officers live here; we’ll steer you clear of the oddball half-acre parcel that requires well-share agreements or special flood insurance.

Outside of VA and USDA zero-down options, Layton buyers can layer multiple grants:

• Utah Housing FirstHome: 4.75 % 30-yr fixed plus 3 % forgivable second. Household income limit $95,400 in Davis County; credit 660+.
• Davis County First-time Buyer Impact: $10 k at 0 %, forgiven after 5 years. Must be south of Gentile, purchase price ≤ $500 k.
• Homeless Veterans Reintegration (HVRP): Up to $15 k for vets who were homeless within past 12 months; pairs with VA loan.
• NHF Sapphire Grant: 3 % of purchase price toward down payment or closing; no first-time buyer requirement, 49 % income limit AMI.

Because NMHL is a participating lender with Utah Housing Corp, we can stack FirstHome with County Impact, covering your 3.5 % FHA down plus closing costs on a $400 k purchase—meaning less than $1,500 out-of-pocket for inspection and earnest money.

If your credit report still shows the aftermath of a Layton layoff, divorce, or medical stack, NMHL has three distinct pathways:

1. FHA 580–619: 3.5 % down, 43 % DTI max, 12-month rental history verified.
2. Non-QM Fresh-Start 500–579: 10 % down, 24-month bank statements allowed, no PMI.
3. VA residual-income route: For scores 550–619, we use residual income instead of DTI, often approving Hill AFB families at $90 k income for $450 k homes.

We also report your new mortgage to all three bureaus, typically lifting scores 40–60 points in the first year if you keep revolving balances under 30 %. Roughly 28 % of NMHL Layton closings in 2023 came from borrowers previously turned away by big-bank overlays.

Davis County’s small-business boom—everything from drone-tech startups near TopFlight to multi-level marketing headquarters—creates a class of high-earning, low-tax-return borrowers. NMHL’s Bank-Statement Plus uses:

• 12 or 24 months of personal statements, OR
• 12 months of business statements with 50 % expense factor, OR
• 1099-only transcripts with 10 % down.

Mike, a Layton-based real-estate photographer, qualified for a $520 k townhome using 24 months of deposits averaging $9,800 per month—no tax returns, no P&L. We closed in 18 days, beating three conventional offers because the seller trusted our fully underwritten approval letter. Down-payment gifts are allowed, and rates run only 0.25–0.375 % above conventional A-paper.

With 18,000+ active and reserve personnel at Hill, Layton is a de-facto military town. NMHL maximizes your benefits:

• Zero-down to county loan limit $766,550—covers 94 % of listed inventory.
• VA Escape Clause: If appraisal comes low, we renegotiate or walk without losing EMD.
• We pay the 1 % difference between appraised value and contract price up to $15 k—keeps you competitive.
• Residual-income method overrides strict DTI caps, so a staff-sergeant with four kids can still qualify.

Combine your Basic Allowance for Housing (BAH) E-5 with dependents here equals $2,049 monthly; lenders must use the gross-up BAH, and we count flight-deck or hazard pay with a 25 % haircut. Last year our average VA buyer closed with a 4.875 % rate when conventional quotes hovered at 6 %—a $310 monthly savings on a $450 k home.