Holladay Home LoansFrom a Local Mortgage Broker
Holladay 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 Holladay, Utah?
Holladay is in Salt Lake County, where the 2026 limits for a single-family home are $832,750 for conventional loans and $637,100 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
Holladay is one of Salt Lake County's most established cities, known for large lots, mature trees and a walkable village center. The former Cottonwood Mall site is being redeveloped as Holladay Hills, adding new homes, shops and dining near the heart of the city.
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.
Holladay at a glance
| Detail | Holladay |
|---|---|
| County | Salt Lake County |
| Area | Mid-Valley & East Bench |
| Common ZIP codes | 84117, 84121, 84124 |
| Public schools | Granite 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 Holladay buyers use most
From first purchases to move-up homes and equity, these are the programs Holladay 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 $637,100 in Salt Lake 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 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 Holladay
- Larger lots and custom homes often push prices above $832,750; get pre-approved for jumbo financing if you're shopping at the top of the market.
- Thinking of tearing down and rebuilding? Ask about construction loans for the new home.
- 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 Holladay 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 Holladay
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Murray sits in the center of the Salt Lake Valley, home to Intermountain Medical Center, Murray Park and Murray Central station, where TRAX and FrontRunner connect.
Learn moreCottonwood Heights
Cottonwood Heights calls itself the city between the canyons, with Big and Little Cottonwood Canyons and four ski resorts just up the road.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreHolladay Home Loan Questions
Yes. Many buyers purchase an older home on a large lot to remodel or rebuild. A renovation loan can cover major updates, and a construction loan can finance a new home once you own the lot. We'll help you compare the two.
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 your current mortgage rate is low, a HELOC usually lets you keep it while borrowing only what you need. A cash-out refinance can make sense when it also improves your rate or you want one fixed payment. We'll compare both.
Yes. We're a mortgage broker based in Layton, serving Holladay 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 Holladay?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.