Herriman Home LoansFor New Homes & Growing Families
Herriman keeps growing, with new neighborhoods going up every year. Whether you're buying new construction or a resale home, get financing that holds up when you find the right one.
- New-construction know-how
- Many lenders, one local contact
- Fast pre-approval
Should I use the builder's lender for a new home in Herriman?
Not without comparing. Builder incentives can be valuable, but they're sometimes offset by a higher rate or fees. Get a Loan Estimate from a broker too and compare the full cost. In Salt Lake County, 2026 single-family limits are $832,750 for conventional and $637,100 for FHA loans.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
A growing community with room to put down roots
Herriman has been one of Utah's fastest-growing cities, with master-planned neighborhoods like Rosecrest and Herriman Towne Center and Real Salt Lake's Zions Bank Real Academy training complex. New homes, townhomes and parks keep going up along the Mountain View Corridor.
New construction comes with its own decisions: builder incentives, extended rate locks and build timelines. As a broker, we compare your builder's offer with options from multiple lenders, so you can see the full cost before you sign in Herriman.
Herriman at a glance
| Detail | Herriman |
|---|---|
| County | Salt Lake County |
| Area | Southwest Valley |
| ZIP code | 84096 |
| Public schools | Jordan 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 Herriman buyers use most
New construction and growing families make these the most common fits.
Conventional Loans
Up to $832,750 in Salt Lake County, from 3% down for qualifying first-time buyers.
Learn moreFHA Loans
3.5% down and flexible credit, up to $637,100.
Learn moreConstruction Loans
Building custom? One-time-close loans cover the build and your mortgage.
Learn moreDown Payment Assistance
Programs that can cover part of your down payment or closing costs.
Learn moreVA Loans
$0 down for eligible veterans and service members.
Learn moreJumbo Loans
For larger new homes priced above $832,750.
Learn moreSalt Lake 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 Salt Lake County fit under this limit. |
| FHA | $637,100 | 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 Herriman
- Buying a newly built home? Utah's First-Time Homebuyer Assistance Program offers up to $20,000 toward qualifying new homes while funds last.
- Townhome communities may need FHA or VA project approval; we check before you offer.
- Builder incentives are worth having, but compare the full cost (rate, fees and credits) against an outside Loan Estimate.
- New communities often have HOA dues, and lenders count them in your debt-to-income ratio.
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 Herriman 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 Herriman
Riverton
Riverton is a family-focused city in the southwest valley, home to Intermountain Riverton Hospital, with quick access to Bangerter Highway and the Mountain View Corridor.
Learn moreSouth Jordan
South Jordan is home to Daybreak, a 4,200-acre planned community with three TRAX Red Line stations, Oquirrh Lake and the Salt Lake Bees' ballpark, which opened in 2025.
Learn moreWest Jordan
West Jordan is one of Utah's largest cities, with six TRAX Red Line stops, Jordan Landing's shopping and Gardner Village.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreHerriman Home Loan Questions
Yes, from eligible builders and up to $637,100 for a single-family home in Salt Lake County in 2026. Above that, conventional loans go up to $832,750 with as little as 3% to 5% down for qualifying buyers.
Often, yes. Many lenders offer extended rate locks for new construction, usually for an upfront fee or a slightly higher rate. We'll compare lock options against your builder's timeline.
Not for a completed home. New homes can be financed with the same programs as resale homes, including FHA, VA and 3% down conventional loans. Builders usually ask for earnest money, and custom builds with a construction loan can require more down.
Yes. We're a mortgage broker based in Layton, serving Herriman and communities across Salt Lake County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in Herriman?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.