Explore your loan options
A home loan that fits your next chapter
Buying, building, improving, or refinancing? Compare the possibilities with Jennifer Reich, serving borrowers in Davis County and Washington County from her Kaysville office.
Jennifer's primary focus
Conventional Loans
The most common path to financing a Utah home — flexible across primary homes, second homes, and investment properties.
Explore conventional financingEveryday home financing
Compare loan programs, eligibility, and mortgage insurance.
FHA Loans
Mortgage insurance backed by the Federal Housing Administration can open doors for buyers with smaller down payments.
Explore this optionVA Loans
A home loan benefit earned through service, guaranteed by the U.S. Department of Veterans Affairs.
Explore this optionUSDA Mortgage Loans
Explore USDA financing by checking the actual property address, household income, and program requirements.
Explore this optionJumbo Mortgage Loans
Explore financing above the applicable conforming loan limit, with careful attention to reserves and documentation.
Explore this optionYour rate & your next move
Choose a payment structure or explore replacing your current mortgage.
Fixed-Rate Mortgages
A steady interest rate and principal-and-interest payment, with a term that fits your budget.
Explore this optionAdjustable-Rate Mortgages
Understand the introductory period, future adjustments, and payment risk before choosing an ARM.
Explore this optionRefinance Loans
Compare a new mortgage with your current loan—not just the rate, but the full cost and timeline.
Explore this optionA different path to home
Explore building, improving, and financing situations that need a closer look.
Construction Loans
Plan financing for the home you want to build, from the first draw to the permanent mortgage.
Explore this optionSolar Loan Program
An FHA solar loan paired with a non-profit incentive of up to $13,000 toward down payment and closing costs.
Explore this optionHomeChoice Second Mortgage
Utah's program for buyers with disabilities: up to $70,000 as a 1% fixed second mortgage to lower the monthly payment.
Explore this optionRenovation Loans
Explore combining eligible home improvements with a purchase or refinance mortgage.
Explore this optionAffordable Housing Options
Explore low-down-payment financing and assistance options with a clear picture of eligibility and costs.
Explore this optionPhysician Mortgage Loans
Mortgage guidance for eligible medical professionals navigating training, student debt, and employment transitions.
Explore this optionReverse Mortgage Loans
Understand home-equity access, counseling, costs, and ongoing homeowner responsibilities.
Explore this optionNon-QM Loans
Alternative ways to qualify when your finances don't fit standard mortgage documentation.
Explore this optionBefore you choose
Different names. Different decisions.
Conventional, FHA, VA, and USDA describe loan programs. Fixed-rate and adjustable-rate describe how the interest rate behaves. Purchase, refinance, construction, and renovation describe what the financing is for. These categories can overlap.
Compare monthly payment, cash to close, mortgage insurance, fees, reserves, and long-term cost—not just the program name. Eligibility depends on your finances, property, and current guidelines.
Estimate a monthly paymentUtah guidance, grounded in your plans
Jennifer Reich, NMLS 162239, serves borrowers in Davis and Washington counties. Her only office is in Kaysville. A property's location can affect loan limits and program eligibility; review the actual address before making assumptions.
Let's build your plan together.
Tell Jennifer what you're working toward. She'll explain your options in plain language and help you decide what comes next.