NMHL Mortgage Lending
Mortgage Lender in Ogden, UT
Local expertise and competitive rates for Ogden homebuyers.
Ogden Housing Market Overview
Explore mortgage options in Ogden, UT with NMHL. Our local expertise helps you navigate the Ogden 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 Ogden
Explore mortgage options tailored to Ogden 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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Ogden's Thriving Housing Market
Ogden's housing market is on the rise, with a growing population and increasing home prices. The median home price in Ogden is around $340,000, with homes typically selling within 30 days. NMHL's local expertise helps you navigate this competitive market and find the right mortgage solution.
Some of the most in-demand neighborhoods in Ogden include:
- Downtown Ogden: Historic homes and trendy new developments
- The Junction: Upscale neighborhoods with easy access to amenities
- Washington Terrace: Family-friendly neighborhoods with top-rated schools
NMHL's Ogden mortgage experts can help you stay ahead of the competition and find your dream home.
First-Time Homebuyer Programs in Ogden
NMHL offers a range of mortgage programs designed to help first-time homebuyers in Ogden. Our NMHL Starter Mortgage program provides competitive rates and low down payment options, making it easier to achieve homeownership. With as little as 3.5% down, you can qualify for a mortgage and start building equity in your new home.
Additionally, the Utah Housing Corporation offers down payment assistance programs and other resources for first-time homebuyers. NMHL can help you explore these options and determine the best program for your situation.
Get pre-approved with NMHL today and take the first step towards homeownership in Ogden.
Mortgage Options for Underserved Borrowers
At NMHL, we understand that not everyone fits the traditional mortgage mold. That's why we offer a range of mortgage programs designed to help underserved borrowers, including those with bad credit, self-employed individuals, and veterans. Our experts can help you navigate the mortgage process and find a solution that meets your unique needs.
Some of the mortgage options available to Ogden borrowers include:
- FHA loans: Low down payment options and more lenient credit scoring
- VA loans: Competitive rates and zero down payment options for veterans
- USDA loans: Zero down payment options for rural homebuyers
NMHL is committed to helping all borrowers achieve homeownership, regardless of their financial situation.
Property Tax Considerations in Ogden
As a homeowner in Ogden, you'll need to factor property taxes into your mortgage planning. The average effective property tax rate in Ogden is 0.59%, which is lower than the national average. However, property taxes can still add up, and it's essential to understand how they'll impact your monthly mortgage payments.
NMHL can help you factor property taxes into your mortgage planning and ensure you're prepared for the costs associated with homeownership in Ogden.
Contact NMHL today to discuss your mortgage options and get a personalized quote.
Frequently Asked Questions
The average effective property tax rate in Ogden is 0.59%, which is lower than the national average. Homeowners in Ogden can expect to pay around $2,000 per year in property taxes on a median-priced home. NMHL can help you factor property taxes into your mortgage planning.
Ogden is served by the Ogden School District, which includes several highly-rated schools. Home values in Ogden tend to be higher in neighborhoods with top-performing schools, such as Bonneville High School and Ogden High School. NMHL can provide guidance on how school districts impact home values and mortgage options.
Ogden borrowers can take advantage of down payment assistance programs, such as the Utah Housing Corporation's Down Payment Assistance Program, which provides up to 3.5% of the home's purchase price. NMHL can help you explore these options and determine the best program for your situation.
Yes, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our experts can help you navigate the pre-approval process and find a mortgage program that suits your needs, even with a credit score as low as 580. Contact us for a personalized consultation.
Some of Ogden's most popular neighborhoods include Downtown Ogden, The Junction, and Washington Terrace. These areas offer a mix of historic homes, new developments, and convenient access to amenities. NMHL can provide insights on the local neighborhoods and help you find the best fit for your homebuying goals.
To qualify for a VA loan in Ogden, you'll need to meet the VA's eligibility requirements, which typically include serving in the military, being a veteran, or being a surviving spouse. NMHL can guide you through the VA loan process and help you determine your eligibility.
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Ready to Buy in Ogden?
Let NMHL help you navigate the Ogden housing market with expert guidance and competitive rates.