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First-Time Homebuyer Program
Make your dream of homeownership a reality with our 100% First-time Homebuyer program.
- No Down Payment
No need to stress over a hefty down payment. Purchase your home with no down payment required. - No Mortgage Insurance
With no mortgage insurance required, you can save more and reduce your monthly expenses. - Low Rates & Fees
Our competitive rates and minimal fees help to make your home more affordable.
Cyprus Credit Union's team of home loan experts is here to guide you and ensure a smooth and stress-free experience. Reach out today and take the first step toward owning a home of your own!
Homebuyer Assistance Programs
Curious if you qualify for a Homebuyer Assistance Program? Let a Cyprus home loan advisor help. Let one of our experts know you’d like a Utah Housing loan through Cyprus Credit Union.
Utah Housing Corporation $20K Program Assistance
Utah Housing Corporation is offering up to $20,000 in assistance to first-time homebuyers. Known as the Program Assistance loan or “Program Assistance,” this limited offer is available to Utah residents who close on new construction or newly constructed homes after July 1, 2023. Other conditions and qualifications apply.
- Program Assistance must be provided by participating lenders. Cyprus Credit Union is a proud participant of Utah Housing Corporation.
- Provides funding at 0% interest and no monthly payments.
- Available on purchases up to $450,000.
- Borrower must be a Utah resident for at least 12 months before closing.
- Funding available on eligible property types, including detached single-family homes, condominiums, and townhomes.
For full details, FAQs, and eligibility requirements, visit Utah Housing Corporation online.
Get Preapproved
Submit your application for preapproval below. Upon approval, Cyprus Credit Union may submit a Program Assistance reservation for you once Utah Housing Corporation begins accepting requests (we anticipate this will be within the next several weeks).
Utah Home Start Grant
Get up to $5,000 to buy a home
Homebuyers in Utah have the opportunity to buy a home using government grant money for down payments and closing costs. Call or meet with a Mortgage Advisor to see if you qualify for a Home Start Grant at 801-260-7605.
Home Start Grant Details:
- May be used for down payment or closing costs
- May be used in conjunction with other grants or credits
- Available to borrowers who have not owned a home in the past three years (some exception may be made)
- 5-year retention period. If the property is sold or refinanced within the first 5 years following loan closing, the borrower must repay a prorated portion of the grant funds.
- Borrowers must complete a homebuyer training class (may be done online)
- Loan subject to approval. Other restrictions and qualifications may apply.
Have Questions?
We’re here to help! Enter your contact information below. One of our advisors will reach out to set up an appointment and answer your questions.
HELOC
Apr As Low As 8.50%Fixed Rate 2nd Mortgage
Apr As Low As 7.49%
The products and services on this page are offered through LPL Financial or its affiliates by Registered Representatives of LPL Financial. These products and services are not credit union deposits, not credit union guaranteed, not insured by NCUA or any other government agency, and may lose value. Cyprus Credit Union is a separate entity and is not affiliated with LPL Financial.
Links from the Cyprus Credit Union web site to other web sites are provided solely as a convenience to visitors.
If you use these links, you will leave the Cyprus Credit Union web site.
The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.
If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.
If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
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Please do not send any personal financial information via Email.
E-mail transmission cannot be guaranteed to be secure and information
could be intercepted, lost, or contain viruses.
