Name: Craig Valgardson With Citywide Home Loans. Descripton:Craig Valgardson is an all time Mortgage Officer Enthusiast since 2006 who works with homeowners to tailor a loan specific to their needs. NMLS #296867 http://www.craigloansutah.com The following is a partial list of programs offered, please contact me at 801-368-5896, email@example.com FHA MortgagesVA MortgagesConventionalUtah Housing LoansRural Housing LoansHome Renovation LoanJumbo LoansConventional Traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary. Utah Housing Loans 100% Financing available. First time Homebuyers. These low cost, low interest mortgage loan enable more people to invest in their own homes. Rural Housing Loans 100% Financing available. Low- and moderate income people can qualify for mortgage without a down payment. Home Renovation Loan Jumbo Loans Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation. Cash out and No cash out refinance are allowable. Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty. FHA Mortgage Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to put as little as 3.5% down payment - and they can even finance "allowable" closing costs. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs. VA Mortgages Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person.