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For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Payments are quoted principal and interest with mortgage insurance if applicable, taxes and insurance are not included in payment estimation. Your payment obligation may be higher.
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Discover Mortgage Loan Options with Summit Lending in Davis County, Utah

Explore a wide range of mortgage solutions tailored to your needs, from home buying to refinancing, construction, and more. Summit Lending is here to help Davis County residents achieve their financial dreams.
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Tailored Loan Solutions for Every Need

Your Trusted Mortgage Partner in Davis County, Utah

At Summit Lending, we understand the unique needs of Davis County, Utah residents when it comes to securing the right mortgage. Whether you're a first-time homebuyer in Layton, looking to refinance in Bountiful, or planning a construction project in Farmington, our comprehensive loan options are designed to help you achieve your goals. Davis County offers a vibrant community with excellent schools, proximity to Salt Lake City, and a growing real estate market, making it an ideal place to invest in property. Our mortgage solutions, including purchase loans, refinancing, construction loans, reverse mortgages for seniors, and commercial financing, provide flexible terms and competitive rates to suit diverse financial situations. With over 50 years of combined experience, our team is dedicated to guiding you through every step, ensuring you find the perfect loan to build, buy, or grow in this thriving Utah county.

Explore Mortgage Loan Options with Summit Lending in Davis County, Utah

At Summit Lending, we are proud to serve the residents of Davis County, Utah, with a wide array of mortgage loan programs tailored to meet diverse financial needs and goals. Whether you're looking to buy your first home in Layton, refinance an existing mortgage in Clearfield, or fund a commercial project in Kaysville, our team of experienced mortgage brokers is here to guide you through every step. With over 50 years of combined expertise, we provide personalized solutions across Utah, Idaho, Wyoming, and Texas, ensuring that you find the right financing to achieve your dreams. Below, we detail the various loan options available to Davis County residents, along with insights into why this area is a prime location for homeownership and investment.

Purchase Loans for Home Buying in Davis County

Buying a home in Davis County, Utah, is an exciting opportunity, given the area’s strong community ties, excellent schools, and proximity to both urban amenities and outdoor recreation. At Summit Lending, our purchase loans are crafted to support individuals and families in acquiring their primary residence, vacation home, or investment property. We collaborate with multiple lenders to offer competitive interest rates and flexible terms, ensuring your mortgage fits your budget and lifestyle. For first-time homebuyers, we provide dedicated guidance through the entire process—from pre-approval to closing. Our team also helps navigate down payment options, including low-down-payment loans and government-backed programs like FHA, VA, and USDA loans, which are especially beneficial in a competitive market like Davis County. Learn more about how we can assist by visiting our Purchase Loans page.

Refinance Loans to Optimize Your Finances

Refinancing your mortgage can be a strategic move to lower monthly payments, reduce interest rates, or tap into home equity for other financial needs. In Davis County, where property values have steadily appreciated—according to recent data from the Utah Association of Realtors, median home prices in the county have risen by approximately 5-7% annually over the past few years—refinancing offers homeowners a chance to capitalize on their investment. Summit Lending provides a variety of refinance loan options, whether you aim to shorten your loan term, switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or cash out equity for home improvements or debt consolidation. Our loan officers analyze your current mortgage and market conditions to ensure refinancing benefits you. For detailed information, explore our Refinance Loans page.

Construction Loans for Building Your Dream Home

Davis County’s growth, particularly in areas like Syracuse and Farmington, has spurred demand for new construction as families and businesses seek to establish roots in this thriving region. Summit Lending offers construction loans to finance custom homes or major renovations, providing funds in stages as your project progresses. This staged funding ensures you have the necessary capital at each construction phase. We work closely with builders and contractors to streamline the process with competitive rates and flexible terms. Additionally, our construction-to-permanent loans allow a seamless transition to a long-term mortgage once your project is complete. Whether building near the Great Salt Lake or in the foothills of the Wasatch Range, we have the expertise to bring your vision to life. Visit our Construction Loans page for more details.

Reverse Loans for Senior Homeowners

For Davis County residents aged 62 and older, a reverse mortgage—also known as a Home Equity Conversion Mortgage (HECM)—offers a way to access home equity without monthly mortgage payments. This can be particularly valuable in a community like Bountiful, where many seniors have lived for decades and accumulated significant equity. Summit Lending’s reverse loans allow you to convert part of your home’s value into cash, which can supplement retirement income, cover medical expenses, or enhance your lifestyle. Our team prioritizes education, ensuring seniors and their families understand eligibility, repayment options, and potential estate impacts. To explore this option further, check out our Reverse Loans page.

Commercial Loans for Business and Investment Growth

Davis County’s strategic location along the I-15 corridor and its proximity to Salt Lake City make it a hub for business and commercial real estate investment. According to the Davis County Economic Development Office, the region has seen a surge in commercial development, with new retail and office spaces emerging in cities like Layton and Centerville. Summit Lending offers commercial loan programs tailored for purchasing office buildings, retail spaces, warehouses, or multi-family properties. With competitive rates and flexible terms, we support your business goals, simplifying the complex process of commercial financing. Our brokers are with you from application to closing, ensuring you secure the funding needed to grow. Learn more on our Commercial Loans page.

Why Choose Summit Lending in Davis County, Utah?

With numerous mortgage brokers and lenders available, Summit Lending stands out as a trusted partner for Davis County residents. Here’s why clients across Utah and beyond choose us:

  • Unmatched Experience: Our team boasts over 50 years of combined experience, adept at handling complex loan scenarios with ease.
  • Personalized Approach: We take time to understand your financial situation, offering customized solutions for your unique needs.
  • Diverse Loan Products: From purchase and refinance to construction, reverse, and commercial loans, we cover every financing need.
  • Local Knowledge: Based in Tremonton, Utah, we have deep roots in the communities we serve, providing localized expertise in Davis County and beyond.
  • Transparent Guidance: We prioritize clear communication, ensuring you’re informed at every step of the mortgage process.

Government-Backed Loan Programs for Accessibility

Summit Lending is committed to making homeownership accessible in Davis County through government-backed loan programs. These options often feature lower down payments and flexible credit criteria, ideal for first-time buyers or those with limited resources. Our offerings include:

  • FHA Loans: Insured by the Federal Housing Administration, these loans require as little as 3.5% down and have lenient credit standards, popular among first-time buyers in Layton and Clearfield.
  • VA Loans: Available to veterans and active-duty service members, VA loans offer 100% financing with no private mortgage insurance (PMI), a cost-effective choice for military families in the county, especially near Hill Air Force Base.
  • USDA Loans: Designed for rural and suburban areas, USDA loans provide zero-down-payment options for qualifying properties, applicable in parts of Davis County outside urban centers.

Our team will assess your eligibility for these programs and guide you through the application process to secure the best terms.

Understanding Mortgage Rates and Terms in Today’s Market

Choosing a mortgage involves understanding interest rates and loan terms, which can significantly impact your financial future. In Davis County, where the real estate market remains competitive—Zillow reports a 2023 median home price of around $450,000—securing a favorable rate is crucial. Rates vary based on market conditions, credit scores, loan types, and lenders. Summit Lending partners with multiple lenders to offer competitive rates tailored to your profile. Use our Loan Calculator to estimate monthly payments and long-term costs. We also explain the differences between fixed-rate mortgages (15-30 years) and adjustable-rate mortgages (ARMs), ensuring you select the best structure for your plans.

Why Davis County is Ideal for Homeownership and Investment

Davis County, Utah, is a prime location for homeownership and investment due to its blend of suburban charm and urban accessibility. Bordered by the Great Salt Lake to the west and the Wasatch Mountains to the east, the county offers stunning natural beauty alongside practical amenities. Cities like Layton, Bountiful, and Farmington provide excellent schools, with the Davis School District consistently ranking among Utah’s best. The county’s proximity to Salt Lake City—just a 20-minute drive from downtown—makes it ideal for commuters, while Hill Air Force Base drives economic stability and job opportunities. According to the U.S. Census Bureau, Davis County’s population grew by over 10% from 2010 to 2020, reflecting its appeal to families and businesses alike. This growth fuels a robust housing market, making now a strategic time to buy, build, or invest with Summit Lending’s support.

Get Pre-Approved for Your Mortgage Today

Before house hunting or planning a project in Davis County, getting pre-approved for a mortgage is essential. Pre-approval clarifies your borrowing capacity and signals to sellers and builders that you’re a serious buyer. Summit Lending streamlines the pre-approval process, helping you gather documentation and delivering fast, reliable decisions. Discover more about this critical step on our Pre-Approval page.

Contact Summit Lending for Tailored Mortgage Solutions in Davis County

Ready to take the next step toward homeownership or financial growth in Davis County, Utah? Summit Lending is your trusted partner. Whether you’re interested in purchase loans, refinancing, construction financing, reverse mortgages, or commercial loans, our expertise and resources ensure a smooth process. Don’t let mortgage complexities hold you back—let us guide you every step of the way.

Reach out today to speak with one of our seasoned loan officers. Call us at 385-200-1470, email us at [email protected], or visit our office at 305 E Main Street Suite 202, Tremonton, UT 84337. You can also submit a contact form on our Contact Us page to get started. For additional mortgage tips and industry news, explore our Blog.

At Summit Lending, we’re more than a mortgage broker—we’re your partner in building a future in Davis County. Contact us now to experience the Summit Lending difference and find the perfect loan solution for your needs in Utah, Idaho, Wyoming, or Texas!

Frequently Asked Questions

Everything you need to know about home mortgage loans in Davis County, Utah
Which home loan is right for me?

Your ideal loan depends on several factors like your financial situation, long term goals, and risk tolerance. Fixed rate mortgages offer stability, while adjustable rate loans may save you money initially. Government-backed options can be great for those with lower credit scores. At Summit Lending, we’ll guide you through the options to find a perfect fit.


What are my loan options as a first time home buyer?

Is it possible to receive a home mortgage loan if I have bad credit?

Are there home loans for renovation available? 

How can I monitor interest rates for loans today? 

What information do I need to submit to apply?
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