Loan Programs

The following is a partial list of programs offered by OneTrust Home Loans with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 801-747-1244.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.

USDA Rural Loans

The mission of USDA Rural Development Single Family Housing Guaranteed Loan Program is to assist low-to-moderate income rural homebuyers achieve their dream of homeownership! USDA has partnered with Citywide Home Loans to extend financing opportunities to eligible rural individuals and families for the purchase of a home.



Program Highlights




  • 100% financing available - no down payment required

  • Relaxed credit guidelines allowed

  • No maximum purchase price

  • Lower rates

  • Existing home and new construction home purchases

  • Refinance a current USDA Loan to a lower rate

  • Better terms than FHA or conventional loans

  • 30 year loan term

  • Low mortgage insurance

  • Eligible rural areas only

  • Gift and grant funds allowed

  • Mortgage credit certificates allowed

  • Not limited to first-time homebuyers


Construction Loans - Two-time Close

As little as 5% down
Buyer gets the loan, builder builds the home!


  • Loan is made directly to the borrower

  • As little as 5% down payment

  • Budget may include closing costs for the construction loan

  • Appraised value may be used for the permanent to take out financing

  • Upgrade contingency allowed and encouraged

  • Extended locks available on take out financing (up to 360 days!)

  • Up to 12 months construction loan term available

  • 100% lot draw to builder (may include real estate commissions)

  • Draws are controlled by the builder and processed within 5 days

  • All construction loans are serviced in-house

  • Fixed cost contract and line item budget/draw requests are required

  • No payments required during construction/interest reserve is added to the budget

  • Citywide Home Loans Two-time Close Construction Loan offers several options to refinance after the home is completed. Additional upgrades during construction may be available. Call us today for details!

    Build the home of your dreams!

Conventional Loans

Thousands of people each year dream of becoming homeowners. Citywide Home Loans can help that dream become reality! Conventional Loans are ideal for borrowers with excellent credit and a substantial down payment. Call us today to determine the best loan program for you situation.



Program Highlights




  • 5%-20% down payment required

  • Down payment can be gifted

  • No up-front mortgage insurance

  • Lower monthly mortgage insurance than an FHA Loan

  • Minimum 620 credit score required

  • Debt-to-income ratio requirements

  • Fixed rate or adjustable rate

  • Terms available from 10-30 years

  • Can be used for primary residence, second home or investment property


FHA Loan Program

Citywide Home Loans is dedicated to helping make your dream come true of owning a home. If you’ve had some bumps and bruises on your credit, or find yourself struggling to save for a large down payment, an FHA Loan may be a great option for you to explore. Call us today to determine the best loan program for your situation!



Program Highlights




  • Purchases and Refinances

  • 3.5% down payment required

  • Down payment and closing costs can be gifted

  • 3%-5% down payment assistance programs available*Minimum 620 credit score required

  • Debit-to-income ratio requirements

  • Fixed rate or adjustable rate

  • 15 years or 30 years loan terms available

  • Relaxed credit guidelines

  • PROGRAM HIGHLIGHTS



*Call for details, restrictions may apply. 640 Fico score required for Down Payment Assistance Programs


Construction Loans - One-time close

One-time close

As little as 10% down
Buyer gets the loan, builder builds the home!


  • Loan is made directly to the borrower

  • As little as 10% down payment

  • Loan amounts from $100,000 up to conforming and high balance

  • Maximum loan to value 90% for purchase (first mortgage transaction only)

  • Purchase of the lot and the vertical construction can close simultaneously

  • Rate and Term refinance using the appraised value is acceptable as long as the lot has been owned 6+ months. Lot loan may be paid off with the construction loan - 90% LTV maximum

  • 30/20/15 year fixed loan programs available

  • Rate is locked up front and the interest rate is the same during the constructions term with float down option. Never worry about rising interest rates or re-qualifying.

  • No payments due during construction. Interest reserve set up at closing. After home is completed, the modification will then turn into the total payment.

  • Principle payments allowed during the construction term until modification



Citywide Home Loans One-Time Close Construction Loan will take the stress away from interest rate increases, qualifying twice, and extra costs associated with a refinance. This loan program is an all-in-one mortgage loan!

Build the home of your dreams

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OneTrust Home Loans | NMLS# 46375 | Phone: 801-747-1244 | Fax: 801-606-2858 | MLB-4515
10713 South Jordan Gateway Suite 120, South Jordan, Utah, 84095  
OneTrust Home Loans is a trade name of the legal entity, CalCon Mutual Mortgage LLC, a Delaware LLC (NMLS #46375). The OneTrust name has been registered in most states where CalCon operates, and in those states where it is not registered, CalCon operates as CalCon except for South Carolina where CalCon operates under the registered trade name of either OneTrust Home Loans or the Tabor Mortgage Group.
Licensed by the Department of Business Oversight Under the California Residential Mortgage Lending Act