Types of Loans

Conventional:

A fixed conventional loan is often a good choice for borrowers who have a down payment.

First-Time Home buyer:

These programs offer exceptional interest rates and require little or no money down. North Capital is one of the top lenders in the state for first-time home buyers. We have access to many flexible loan programs, including FHA and Utah Housing.

Reverse Mortgage:

A reverse mortgage uses your equity to generate income. The Bank makes monthly payments to you. The money from a reverse mortgage is usually considered borrowed money, so in many cases it does not affect your social security or Medicare/Medicaid benefits. The loan may also be tax-free (consult your tax adviser).

Rural Housing: ( USDA)

We offer United Stated Department of Agriculture guaranteed loans for those that live in a rural areas and have little to no money to put towards buying their own home.

Adjustable Rate Mortgage (ARM):

Usually ARMs offer a lower interest rate than a fixed-rate mortgage. Depending on the adjustment period, the interest rate of a ARM may increase over time. An Adjustable Rate Mortgage may be the way to go for those planning on living in their home for a short period.

VA:

We assist veterans and military on active duty to secure VA loans, with sometimes up to 100% financing.

Jumbo Loan:

If you're looking to borrow high loan amounts, we offer several jumbo loans to meet your needs.