NMHL Mortgage Lending
Mortgage Lender in St. George, UT
Local expertise and competitive rates for St. George homebuyers.
St. George Housing Market Overview
Explore mortgage options in St. George, UT with NMHL. Our local expertise helps you navigate the St. George 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 St. George
Explore mortgage options tailored to St. George 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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Understanding the St. George Housing Market
The St. George housing market is characterized by a mix of new constructions, established neighborhoods, and vacation rentals. The median home price is around $430,000, with a range of housing options available to suit different budgets and preferences.
Some of the most popular neighborhoods in St. George include:
- The Ledges
- Desert Canyon
- Bloomington
These areas offer a range of housing options, from luxury homes to more affordable starter homes.
NMHL can help you explore mortgage options for homes in St. George's most desirable neighborhoods.
Mortgage Programs for Underserved Borrowers
At NMHL, we understand that not all borrowers fit the traditional mortgage mold. That's why we offer a range of programs designed to serve underserved borrowers, including:
- FHA loans for borrowers with lower credit scores
- VA loans for veterans and active military personnel
- Portfolio loans for self-employed borrowers
Our experienced loan officers can help you determine the best mortgage solution for your unique situation.
Contact NMHL today to discuss your mortgage options and get pre-approved.
Down Payment Assistance Programs in Utah
The Utah Housing Corporation (UHC) offers a range of down payment assistance programs for first-time homebuyers and low-to-moderate income borrowers. These programs provide up to 4% of the home's purchase price in down payment assistance, as well as competitive interest rates.
NMHL is an approved lender for UHC programs and can help you navigate the application process.
Don't miss out on the opportunity to secure down payment assistance through UHC. Contact NMHL today to learn more.
School Districts and Home Values in St. George
The St. George area is served by the Washington County School District, which includes several highly-rated schools. Homebuyers in St. George often prioritize school districts when choosing a neighborhood.
Some of the top-rated schools in the area include:
- Dixie High School
- St. George Elementary School
- Desert Hills High School
A home's proximity to good schools can impact its value and resale potential.
Consider the impact of school districts on home values when choosing a neighborhood in St. George.
Getting Started with Your St. George Mortgage
Ready to take the next step in your homebuying journey? NMHL is here to help. Our experienced loan officers can guide you through the mortgage application process and help you secure the best possible interest rate.
Get started today by:
- Contacting us to discuss your mortgage options
- Getting pre-approved online
- Exploring our range of mortgage programs
Don't wait – start your mortgage journey today with NMHL.
Frequently Asked Questions
Some of the most sought-after neighborhoods in St. George include The Ledges, Desert Canyon, and Bloomington. These areas offer a range of housing options, from new constructions to established communities, and are known for their excellent schools and family-friendly atmosphere. NMHL can help you explore mortgage options for homes in these neighborhoods.
In St. George, property taxes are assessed by the Washington County Assessor's office. The average effective property tax rate in St. George is around 0.55%. This means that on a $400,000 home, you can expect to pay around $2,200 per year in property taxes. NMHL can help you factor property taxes into your mortgage planning.
Utah offers several first-time homebuyer programs, including the Utah Housing Corporation's (UHC) First Time Homebuyer Program. This program provides up to 4% of the home's purchase price in down payment assistance, as well as competitive interest rates. NMHL is an approved lender for UHC programs and can help you navigate the application process.
While having bad credit can make it more challenging to secure a mortgage, NMHL offers programs designed to help borrowers with credit scores as low as 580. Our FHA and VA loan options, for example, offer more lenient credit score requirements. Contact us to discuss your options and determine the best course of action for your situation.
The pre-approval process typically takes around 15-30 minutes, depending on the complexity of your financial situation. NMHL offers a streamlined online application process, and our experienced loan officers are available to guide you through every step. Get started with our online pre-approval application today.
Self-employed borrowers can qualify for a range of mortgage options, including conventional and portfolio loans. NMHL offers programs that consider alternative income documentation, such as bank statement loans. Our experienced loan officers can help you navigate the application process and find the best mortgage solution for your unique situation.
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