Randall Gorham · Utah Life Real Estate
✆ (801) 430-4000
Utah Life Real Estate · Knowledge Center
Real Estate
Resources.
Every guide, calculator, and market data resource you need to make a confident Northern Utah real estate decision — whether you're buying, selling, or just figuring out your numbers.
Quick Navigation — All Resources
Buyer Guides
PRIMARY — BUYERS
The Northern Utah Home Buying Guide
GUIDE
Everything you need to know to buy a home in Northern Utah — from getting pre-approved to negotiating your offer to understanding closing costs. This guide walks through the full purchase process step by step, explaining what to expect at each stage, what questions to ask, and how to make confident decisions in any market condition.
Start with the mortgage calculator
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FIRST-TIME BUYERS
First Time Buyer Guide
FRST
Buying your first home is the biggest financial decision of your life — you deserve to understand exactly what you're getting into. This guide covers first-time buyer programs in Utah, how to find the right lender, what inspections actually catch, and the real timeline from offer to keys.
See Utah first-timer programs
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FINANCING
Financing and Home Loans
FNCE
Conventional, FHA, VA, USDA, jumbo — understanding loan types is the first step to knowing what you can afford. This guide explains how Utah mortgage lending works, what factors affect your rate, how to choose a lender, and what documentation you'll need to move fast in a competitive market.
Use the mortgage calculator
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DOWN PAYMENT
Down Payment Programs
DPMT
Utah has meaningful down payment assistance programs for qualifying buyers — grants, second mortgages, and low-down options that most buyers don't know about. This guide covers Utah Housing Corporation programs, FHA 3.5% options, VA zero-down, and USDA rural programs available in some Northern Utah zip codes.
Check your eligibility
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VETERANS
VA Loan Guide
VA
VA loans are the best mortgage product available to qualified borrowers — zero down, no PMI, competitive rates, and streamlined refinancing. This guide covers VA eligibility, entitlement, funding fee, the appraisal process, and how VA loans work specifically in the Northern Utah market.
Run your VA numbers
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Seller Guides & Market Data
PRIMARY — SELLERS
Selling Your Home in Northern Utah
SELL
Pricing your home correctly in the first week is the most important decision you'll make in the sale process. This guide covers how I determine your list price, what staging investments actually return value, how the offer and negotiation process works, and what net proceeds you can realistically expect given current Northern Utah market conditions.
See your net proceeds
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MARKET DATA
Real Estate Market Report
MRKT
Current Northern Utah market data — median sale prices by county, days on market, months of inventory, and price trend direction. Updated regularly with actual MLS transaction data. Understanding the market context is essential whether you're buying or selling in today's environment.
View current data
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REFERENCE
Closing Costs Explained
COST
Closing costs in Northern Utah typically run 2–4% of the purchase price for buyers and 6–8% of the sale price for sellers. This guide breaks down every line item — title insurance, escrow fees, recording fees, lender fees — and explains who pays what and when in a standard Utah transaction.
Estimate your costs
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Randall Gorham · (801) 430-4000 · rgorham@liveutah.com
Serving all of Northern Utah
Serving all of Northern Utah
