Utah & Idaho · Home Purchase
Buying a home shouldn’t feel like guesswork.
First home or next home — I’ll tell you honestly what you qualify for, what it really costs, and what programs you might be leaving on the table.
Licensed in Utah and Idaho ยท NMLS #2852905
How I approach a purchase
Most lenders start with a rate quote. I start with your actual situation: how much you have for a down payment, what your monthly number needs to look like, and what timeline you’re working with. Then I show you the options that actually fit, including ones a big-box lender won’t mention.
If you’re a first-time buyer in Utah or Idaho, that often means down payment assistance you didn’t know existed. If you’re self-employed, it might mean a bank statement loan instead of fighting your tax returns. I’ll tell you which one applies to you and why.
Conventional & FHA/VA/USDA
Standard purchase financing, matched to your credit and down payment. VA and USDA can mean 0% down for those who qualify.
First-time buyer assistance
Utah Housing Corporation and Idaho Housing programs can add tens of thousands in down payment help. See what’s available →
Self-employed & bank statement
If your tax returns understate your real income, a bank statement loan qualifies you on deposits instead. Learn more →
Helpful guides for buyers
Buying your first home?
Utah and Idaho first-time buyers can often stack $20,000\u2013$85,000 in down payment assistance.
Self-employed or a 1099 contractor?
If your tax returns understate your real income, a bank statement loan may qualify you for more.
Ready to find out what you qualify for?
A real pre-approval, not a guess — so you can shop with confidence.
Loans with Matthew Smith
Matthew Smith · NMLS #2852905
NEXA Lending · Company State License# AZBK – 2006218 | NMLS# 1660690
Licensed in Utah and Idaho.
NEXA Lending · Company State License# AZBK – 2006218 | NMLS# 1660690
Licensed in Utah and Idaho.
Funding timelines vary by borrower, property, and circumstance, and are not guaranteed. This is not a commitment to lend or an offer of credit. All loans subject to credit approval, income and asset verification, and underwriting. Rates, programs, and down payment assistance amounts change without notice and are subject to availability — confirm current terms before relying on any figure on this site. Nothing on this site is tax, legal, or investment advice; consult a qualified professional about your specific situation. Residential mortgage products are offered in Utah and Idaho only. Commercial-purpose and business-purpose financing (including DSCR and investor loans) is not consumer credit and is not subject to consumer mortgage protections such as TILA/RESPA.
⌂ Equal Housing Opportunity. NEXA Lending · Company State License# AZBK – 2006218 | NMLS# 1660690. NMLS Consumer Access: https://www.nmlsconsumeraccess.org/
⌂ Equal Housing Opportunity. NEXA Lending · Company State License# AZBK – 2006218 | NMLS# 1660690. NMLS Consumer Access: https://www.nmlsconsumeraccess.org/