Your Local Washington Terrace Mortgage Experts

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

Buying a Home in Washington Terrace

Washington Terrace is a small, affordable community in Weber County with some of the lowest home prices in the metro area. Close to Ogden Regional Medical Center and excellent freeway access.

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

Down Payment Assistance in Washington Terrace

Washington Terrace 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

Washington Terrace 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 Washington Terrace

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 Washington Terrace.

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USDA Loans

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

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Frequently Asked Questions About Buying in Washington Terrace

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

How much down payment assistance is available in Washington Terrace?
Washington Terrace buyers can stack up to $47,500 through the FHLB HELP ($20,000 forgivable) and UHC FirstHome ($27,500) programs. At a median price of $380,000, that covers over 12% of the purchase price — potentially eliminating your entire down payment and closing costs.
What are the income limits for Washington Terrace home buyers?
Weber County income limits apply. UHC FirstHome allows household incomes up to approximately $150,000. FHLB HELP uses HUD area median income thresholds. Washington Terrace’s affordability means most working families qualify.
Why should I choose a local lender in Washington Terrace?
Washington Terrace’s affordable prices make it one of the best entry points for first-time buyers in Weber County. A local lender can help you maximize DPA programs, navigate the competitive market for affordable homes, and close quickly with our established local network.

Ready to Buy in Washington Terrace?

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

(801) 820-7620

Quick Washington Terrace Stats

  • CountyWeber County
  • Population9,000+
  • Median Price$380,000
  • DPA AvailableUp to $47,500