Layton Home LoansFor Hill AFB Families & First-Time Buyers
Whether you just got orders to Hill Air Force Base or you're tired of renting, Layton puts you close to base, work and family. We'll help you use every benefit you've earned.
- VA loan specialists
- First-time buyer programs
- Close to our Layton office
Can I use a VA loan to buy a home in Layton?
Yes. Eligible veterans and active-duty service members can buy in Layton with a VA loan: $0 down, no monthly mortgage insurance and no loan limit with full entitlement. The home must be your primary residence. Layton is in Davis County, where the 2026 FHA limit is $744,050.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
Close to base and close to home in Layton
Layton is Davis County's largest city and our home base, with our office on Heritage Park Blvd. Hill Air Force Base borders the city, Layton Hills Mall and the Layton FrontRunner station anchor the center of town, and the West Davis Highway runs along its west side. Neighborhoods range from established east-bench streets to brand-new subdivisions out west.
Many Layton buyers are using their VA benefit for the first time or buying their first home. We explain entitlement, the funding fee and what happens if PCS orders come later, so you can buy with confidence.
Layton at a glance
| Detail | Layton |
|---|---|
| County | Davis County |
| Area | Central Davis County |
| Common ZIP codes | 84040, 84041 |
| 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 Layton buyers use most
Military benefits and first-time buyer programs do a lot of the heavy lifting here.
VA Loans
$0 down and no monthly mortgage insurance for eligible veterans and service members.
Learn moreFHA Loans
3.5% down with a 580+ score, up to $744,050 in Davis County.
Learn moreDown Payment Assistance
Help with your down payment or closing costs for qualifying buyers.
Learn moreConventional Loans
From 3% down for qualifying first-time buyers.
Learn moreVA IRRRL
Already have a VA loan? Lower your rate with less paperwork.
Learn moreRenovation Loans
Buy a home that needs work and finance the repairs in one loan.
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 Layton
- East-bench homes and west-side new construction call for different loan strategies, so tell us where you're looking.
- Meet us in person at 476 Heritage Park Blvd, minutes from anywhere in Layton.
- Got PCS orders coming? VA loans require you to live in the home, but many service members keep it as a rental after they relocate. Plan for it before you buy.
- VA loans are assumable by qualified buyers, which can help when you sell if rates have risen.
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 Layton 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 Layton
Farmington
Farmington is the county seat of Davis County and home to Station Park, a shopping and dining center with its own FrontRunner station, plus Lagoon amusement park.
Learn moreFruit Heights
Fruit Heights is a small hillside city east of Kaysville, named for the orchards that once covered its bench.
Learn moreKaysville
Kaysville sits between Layton and Farmington, with established neighborhoods, newer subdivisions on the edges of town, a historic Main Street and Davis Technical College's main campus.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreLayton Home Loan Questions
Yes, at 476 Heritage Park Blvd, Suite 200-B. Call or text (385) 758-5247 to set a time, or work with us by phone, video and secure online application.
Layton is in Davis County, where the 2026 single-family limits are $832,750 for conventional loans and $744,050 for FHA loans. VA loans have no limit for borrowers with full entitlement, and loans above $832,750 are jumbo loans.
Often, yes. A VA loan requires you to occupy the home as your primary residence when you buy, but many service members rent it out after they relocate. Talk with us before you buy so you can plan for it.
Yes. We're a mortgage broker based in Layton, serving Layton and communities across Davis County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in Layton?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.