NMHL Mortgage Lending
Mortgage Lender in Taylorsville, UT
Local expertise and competitive rates for Taylorsville homebuyers.
Taylorsville, Utah, is experiencing a dynamic housing market, with a current median home price of around $430,000. As a borrower looking to navigate this market, you'll find that National Mortgage Home Loans (NMHL) is well-positioned to help. Our expertise in serving underserved borrowers, including those with bad credit, self-employed individuals, and first-time homebuyers, makes us an ideal partner in your home financing journey.
The Taylorsville housing market is characterized by a mix of new constructions and established neighborhoods, offering a range of options for homebuyers. With NMHL's local knowledge and competitive rates, you can confidently explore your mortgage options and find the best fit for your needs.
At NMHL, we understand the complexities of the mortgage process and are committed to providing personalized service to each of our clients. Whether you're a seasoned homeowner or just starting out, our team is here to guide you every step of the way, from pre-approval to closing.
Taylorsville Housing Market Overview
Explore mortgage options in Taylorsville, UT with NMHL. Our local expertise helps you navigate the Taylorsville real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Taylorsville
Explore mortgage options tailored to Taylorsville homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Taylorsville Neighborhoods and Housing Market Trends
Taylorsville is a diverse city with a range of neighborhoods, each with its own unique character. From the family-friendly atmosphere of Silver Oaks to the vibrant community of Redwood, there's something for everyone. The local housing market is experiencing steady growth, with a mix of new constructions and established homes.
- The median home price in Taylorsville is around $430,000.
- The average days on market is approximately 30 days.
- New constructions are on the rise, with many builders offering incentives and upgrades.
NMHL's local expertise can help you navigate the Taylorsville housing market and find the best mortgage options for your needs.
NMHL Programs for Underserved Borrowers
At NMHL, we're committed to serving borrowers who may not fit the traditional mortgage mold. Our programs cater to a range of needs, including:
- Bad credit mortgage options: We consider credit scores as low as 580.
- Self-employed mortgage solutions: We use alternative income verification methods to help self-employed borrowers qualify.
- Veteran mortgage programs: We offer specialized loan options for veterans, including VA loans with competitive rates and terms.
Our team is dedicated to finding a mortgage solution that works for you, regardless of your financial situation.
Contact NMHL today to explore our mortgage options and find the best fit for your needs.
Property Taxes and Homeownership Costs in Taylorsville
As a homeowner in Taylorsville, it's essential to understand the local property tax landscape. The average effective property tax rate is approximately 0.55%, which is relatively low compared to other parts of the country.
In addition to property taxes, consider other homeownership costs, such as insurance, maintenance, and utilities. NMHL can help you factor these expenses into your overall mortgage plan.
NMHL's mortgage experts can help you navigate the complexities of homeownership costs and find a mortgage that fits your budget.
First-Time Homebuyer Resources in Utah
Utah offers a range of resources for first-time homebuyers, including down payment assistance programs and competitive interest rates. NMHL can help you explore these options and determine the best fit for your situation.
- The Utah Housing Corporation's FirstHome program provides down payment assistance and competitive interest rates.
- NMHL's First-Time Homebuyer program offers personalized guidance and support throughout the mortgage process.
Contact NMHL today to learn more about our first-time homebuyer programs and get started on your homeownership journey.
Frequently Asked Questions
The average effective property tax rate in Taylorsville is approximately 0.55%. For a median-priced home of $430,000, this translates to around $2,365 per year in property taxes. It's essential to factor these costs into your overall homeownership expenses.
Taylorsville is served by the Jordan School District, which is known for its high-quality education. Homes in areas with highly-rated schools tend to retain their value and appreciate over time. When searching for a home, consider the school district's reputation and how it may impact your property's value.
Utah offers several programs for first-time homebuyers, including the Utah Housing Corporation's (UHC) FirstHome program, which provides down payment assistance and competitive interest rates. NMHL can help you navigate these options and determine the best fit for your situation.
Yes, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our Bad Credit Mortgage program can help you qualify for a loan even with a credit score as low as 580. We consider a range of factors beyond credit score, including income, debt-to-income ratio, and employment history.
NMHL offers several down payment assistance programs, including the Utah Housing Corporation's Down Payment Assistance program, which can provide up to 3.5% of the home's purchase price towards down payment and closing costs. We can help you explore these options and determine the best fit for your needs.
Getting pre-approved for a mortgage with NMHL is a straightforward process. Simply contact us to schedule a consultation, and we'll review your financial situation and provide a pre-approval letter outlining the loan amount and terms you're eligible for.
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Let NMHL help you navigate the Taylorsville housing market with expert guidance and competitive rates.