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Ogden Towns financing example & terms

Rates retrieved on October 21, 2026. This example illustrates a 30-year FHA loan at a $345,000 purchase price, 3.5% down ($12,075), and $338,751 financed including 1.75% upfront FHA mortgage insurance. With buydown: 6.375% note rate, 7.410% APR, approximately $2,113 monthly principal and interest. Without buydown: 7.250% note rate, 7.976% APR, approximately $2,311 monthly principal and interest. Repayment is over 360 months; mortgage insurance and other housing costs are additional to principal and interest and can change.

The estimated totals of $2,553 with buydown and $2,751 without include estimated property tax at 0.6% of price annually, assumed homeowners insurance of $30/month, initial annual FHA MIP at 0.55% of the base loan and $85/month HOA dues. Figures are rounded. Actual taxes, insurance, mortgage insurance, dues and payments may vary. The $350,000 end-unit example shows $2,589/month with buydown and $2,789 without. Current home prices are shown on individual listings and may differ from these examples.

The $10,000 builder closing-cost contribution requires a preferred lender and is subject to eligible costs, buyer eligibility, builder terms, credit and lender approval. Confirm the current rate, rate-lock availability, credit allocation, eligible home, price, and offer availability with the team. Do not assume this credit can be combined with another incentive or used for the required down payment. Home availability was checked October 20, 2026; builder example prices were dated October 21, 2026.

Community: Clay Hobbs, 801-721-9661. Financing contact: Jeff Morgan, NMLS #256029, 801-706-7732, Northpointe Bank · Member FDIC · Equal Housing Lender.