Your Local South Ogden Mortgage Experts

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

Buying a Home in South Ogden

South Ogden offers established, tree-lined neighborhoods with quick access to Weber State University, Ogden’s recreation scene, and mountain trails. Affordable prices make it a hidden gem for first-time buyers.

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 South Ogden properties, and we work closely with the best local Realtors to get your offers accepted.

Down Payment Assistance in South Ogden

South 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

South 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 South 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 South Ogden.

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USDA Loans

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

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Frequently Asked Questions About Buying in South Ogden

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

How much down payment assistance is available in South Ogden?
South Ogden buyers can receive up to $47,500 through the FHLB HELP ($20,000 forgivable) and UHC FirstHome ($27,500) programs. With a median home price of $410,000, that assistance covers over 11% of the purchase price.
What are the income limits for South Ogden home buyers?
Weber County income limits apply. The UHC FirstHome program generally allows household incomes up to $150,000. FHLB HELP follows HUD area median income guidelines. Many South Ogden buyers — including Weber State staff — qualify for both programs.
Why should I choose a local lender in South Ogden?
South Ogden’s established homes sometimes need renovation loans or have unique appraisal considerations. A local lender understands the neighborhood, can recommend the right loan product, and has relationships with South Ogden agents and inspectors.

Ready to Buy in South Ogden?

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

(801) 820-7620

Quick South Ogden Stats

  • CountyWeber County
  • Population17,000+
  • Median Price$410,000
  • DPA AvailableUp to $47,500