Bountiful Home LoansFrom a Local Mortgage Broker
Bountiful is the kind of place people move to and stay. Whether you're buying your first home here, moving up or tapping equity in the home you have, start with a clear plan.
- Local market know-how
- Conventional & jumbo options
- Fast pre-approval
What loan limits apply to homes in Bountiful, Utah?
Bountiful is in Davis County, where the 2026 limits for a single-family home are $832,750 for conventional loans and $744,050 for FHA loans. Loans above $832,750 are jumbo loans, and VA loans have no limit for veterans with full entitlement.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
Established neighborhoods with staying power
Bountiful is one of Davis County's largest and longest-established cities, with tree-lined streets, foothill neighborhoods overlooking the Great Salt Lake and a quick commute to downtown Salt Lake City. Many homes are decades old, so updates, additions and equity planning come up often.
Established neighborhoods also mean established homeowners. If you already own here, you may have more options than you think: a HELOC for updates, a renovation refinance, or using equity toward your next home. We'll show you the numbers for each.
Bountiful at a glance
| Detail | Bountiful |
|---|---|
| County | Davis County |
| Area | South Davis County |
| ZIP code | 84010 |
| Public schools | Davis School District |
| Your loan officer | Kenny Farshchian, NMLS #1639863 · call or text (385) 758-5247 |
ZIP codes and school boundaries don't always follow city lines; confirm a specific address with your agent, the county or the school district.
Loans Bountiful buyers use most
From first purchases to move-up homes and equity, these are the programs Bountiful clients use most.
Conventional Loans
From 3% down for qualifying first-time buyers, with mortgage insurance you can remove later.
Learn moreJumbo Loans
For homes priced above the $832,750 conforming limit.
Learn moreFHA Loans
3.5% down and flexible credit, up to $744,050 in Davis County.
Learn moreRenovation Loans
Buy an older home and finance the updates in the same loan.
Learn moreHELOCs
Already own? Tap your equity without giving up your current rate.
Learn moreVA Loans
$0 down for eligible veterans and service members.
Learn moreDavis County loan limits for 2026
These limits apply to single-family homes. Loans above the conforming limit are jumbo loans.
| Loan type | 2026 limit (1 unit) | What it means |
|---|---|---|
| Conventional (conforming) | $832,750 | Most homes in Davis County fit under this limit. |
| FHA | $744,050 | 3.5% down with a 580+ credit score. |
| VA | No limit with full entitlement | $0 down for eligible veterans and service members. |
| Jumbo | Above $832,750 | Higher-priced homes; stronger credit and reserves. |
Sources: FHFA 2026 conforming limits and HUD 2026 FHA limits. Limits change each January.
What to know before you buy in Bountiful
- Foothill homes often come with steeper lots and higher prices; compare conventional and jumbo options if you're near the limit.
- Commuting to Salt Lake City? Factor HOA dues and commute costs into your monthly budget, not just the mortgage.
- Ask for a sewer-line scope on older homes; repairs can be costly and aren't always caught in a standard inspection.
- Selling one home and buying another? A HELOC or bridge loan on your current home can cover the down payment so you're not forced into a contingent offer.
Three steps to your keys
- 01
Get a real pre-approval
Share your income and assets once. We compare loan options from multiple lenders and tell you exactly what you can afford, usually within 24 to 48 hours.
- 02
Shop with confidence
Make offers in Bountiful with a pre-approval letter local agents trust, and a loan officer who answers the phone when your agent calls.
- 03
Close on time
We manage appraisal, underwriting and title, and keep you and your agent updated at every step until you get the keys.
We also serve cities near Bountiful
Centerville
Centerville sits between Bountiful and Farmington along the foothills, with Parrish Lane shopping, quick I-15 and Legacy Parkway access, and a mix of established homes and east-bench properties with valley views.
Learn moreNorth Salt Lake
North Salt Lake sits at the south edge of Davis County, minutes from downtown Salt Lake City.
Learn moreWest Bountiful
West Bountiful is a small, quiet city west of Bountiful, known for larger lots and a more open, semi-rural feel, with Legacy Parkway and I-15 close by.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreBountiful Home Loan Questions
Yes. Many Bountiful homeowners have built significant equity. We compare HELOCs, cash-out refinances and rate-and-term refinances so you can choose the best way to use it.
Often, yes. Depending on your income and equity, you may qualify while carrying both payments, or you can use a HELOC or bridge loan on your current home for the down payment. We'll look at which approach fits.
If you love your Bountiful location, a HELOC or renovation refinance can fund updates without giving up your current mortgage rate. If you need more space than you can add, moving may make more sense. We'll run both scenarios with you.
Ready to buy in Bountiful?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.