Centerville Home LoansFrom a Local Mortgage Broker
Mature trees, settled neighborhoods and homes with character: buying in Centerville rewards preparation. We'll help you write an offer that sellers take seriously.
- Local market know-how
- Conventional & jumbo options
- Fast pre-approval
What loan limits apply to homes in Centerville, Utah?
Centerville 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
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.
Older homes can hide surprises, from roofs to sewer lines. A thorough inspection, and a loan that can include repairs when needed, keeps your purchase on track and your savings intact.
Centerville at a glance
| Detail | Centerville |
|---|---|
| County | Davis County |
| Area | South Davis County |
| ZIP code | 84014 |
| 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 Centerville buyers use most
The right loan depends on the home and the price. Here's what we see most in Centerville.
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 Centerville
- East-bench homes often price higher than the valley floor, so get pre-approved for the exact area you're targeting.
- Planning a big update instead of moving? Compare a HELOC with a renovation refinance.
- 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 Centerville 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 Centerville
North 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 moreWoods Cross
Woods Cross is a compact South Davis city with its own FrontRunner station, quick access to I-15 and Legacy Parkway, and a mix of established neighborhoods and newer townhomes.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreCenterville Home Loan Questions
Yes. If your loan amount is above $832,750, the 2026 conforming limit in Davis County, you'll need a jumbo loan. We compare jumbo lenders on down payment, reserves and pricing.
If you love your Centerville 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.
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.
Yes. We're a mortgage broker based in Layton, serving Centerville and communities across Davis County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in Centerville?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.