Talk to Our Team About Your Utah Move
Program and regulatory figures verified September 25, 2026. Details change; confirm your scenario with us.
Tell us where you are buying and what you are leaving behind. That is enough to start.
What helps us answer quickly
- The Utah county you are buying in, since it sets the conforming limit.
- The departing home's full payment, including taxes, insurance and any HOA dues.
- Whether the departing home is listed, under contract, or neither.
- Whether you would consider renting it out, because in Utah that is the one structure that keeps its 45% residential exemption.
What happens next
Our team reviews it and reaches out shortly. We will tell you which of the three structures fits, what the departing home does to your ratio, and what reserves to expect. If the answer is that you should wait, that is what we will tell you.
Before you call, the structures page and the Utah guide cover most of the ground. The tax question is on the exemption page.
Frequently asked questions
What information should I have ready?
The Utah county you are buying in, the departing home's full payment including taxes, insurance and HOA dues, and whether that home is listed, under contract or neither. Whether you would consider renting it out also matters, because that is the structure that preserves its 45% residential exemption.
How soon will someone get back to me?
Our team reviews every Utah scenario and reaches out shortly, usually with a read on which of the three structures fits, what the departing home does to your ratio, and what reserves to expect.
Do you lend across all of Utah?
Yes, Utah statewide, across all 29 counties. Note that the conforming loan limit differs by county: $832,750 in 25 of them and $1,150,000 in Summit and Wasatch.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. Utah's residential exemption is administered county by county under Utah Code 59-2-103.5, and eligibility depends on your facts; your county assessor, your CPA or a Utah attorney, and your real estate agent each handle their own part. Loans are subject to borrower and property qualification.