Your Local North Ogden Mortgage Experts

We help families in North Ogden and across Weber County secure the best home loans, lowest rates, and down payment assistance.

Buying a Home in North Ogden

North Ogden sits at the base of Ben Lomond Peak and offers a mix of established and newer neighborhoods with stunning mountain views. Quick access to Ogden Valley recreation and a growing dining scene make it increasingly popular with young families.

Whether you're a first-time homebuyer looking to put down roots or a current resident looking to upgrade or refinance, The Tim Hawkes Team is your dedicated local mortgage partner. Because we're based right here in Weber County, we understand the local real estate market better than national online lenders. We know exactly which down payment assistance programs are available for North Ogden properties, and we work closely with the best local Realtors to get your offers accepted.

Down Payment Assistance in North Ogden

North Ogden home buyers may qualify for multiple assistance programs that can be stacked together. Here are the programs available for Weber County properties:

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FHLB HELP

$20,000 forgivable

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UHC FirstHome

$27,500

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Stack Your Assistance

North Ogden buyers can combine multiple programs. Currently available programs total up to $47,500 in assistance. When all programs are open, total potential assistance reaches up to $47,500.

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Popular Loan Programs in North Ogden

From zero-down VA and USDA loans to low-down-payment FHA options, we'll match you with the best program for your situation.

VA Loans

Zero down payment for eligible veterans. Perfect for military families relocating to Hill AFB.

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FHA Loans

Only 3.5% down with flexible credit requirements. Ideal for many first-time buyers in North Ogden.

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USDA Loans

Zero down payment for eligible suburban and rural areas. Let us check if your North Ogden address qualifies.

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Frequently Asked Questions About Buying in North Ogden

Get answers to common questions about home buying, down payment assistance, and mortgage options in North Ogden, Utah.

How much down payment assistance is available in North Ogden?
North Ogden buyers can access up to $47,500 through the FHLB HELP ($20,000 forgivable) and UHC FirstHome ($27,500) programs. Both are currently open and available for Weber County purchases.
What are the income limits for North Ogden home buyers?
Weber County AMI limits apply. The FHLB HELP program uses 80% AMI (approximately $96,400 for a family of 4). UHC programs have higher limits. Contact us for a quick eligibility review.
Why should I choose a local lender in North Ogden?
North Ogden’s mix of newer construction and established homes requires a lender who knows Weber County well. We understand local appraisal trends, builder relationships, and which financing programs work best for the area.

Ready to Buy in North Ogden?

Get pre-approved in minutes. We'll help you find the right loan, maximize your down payment assistance, and close on your new North Ogden home.

Local Weber County Experts

National lenders don't understand the Utah market. We do. Get a quote from a local expert who cares about your family's financial future.

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Call your North Ogden loan officer

(801) 820-7620

Quick North Ogden Stats

  • CountyWeber County
  • Population21,000+
  • Median Price$460,000
  • DPA AvailableUp to $47,500