Roy Home LoansFor Hill AFB Families & First-Time Buyers
Roy is a natural fit for Hill Air Force Base families and first-time buyers alike. Get a clear plan for your VA benefit, or for buying with little down, before you start touring homes.
- VA loan specialists
- First-time buyer programs
- Close to our Layton office
Can I use a VA loan to buy a home in Roy?
Yes. Eligible veterans and active-duty service members can buy in Roy with a VA loan: $0 down, no monthly mortgage insurance and no loan limit with full entitlement. The home must be your primary residence. Roy is in Weber County, where the 2026 FHA limit is $744,050.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
Close to base and close to home in Roy
Roy borders Hill Air Force Base and has its own FrontRunner station, making it one of the most convenient places to live for service members and commuters. Its neighborhoods are mostly established single-family homes at attainable prices.
Military moves run on tight timelines. We coordinate your pre-approval, appraisal and closing around your report date, and explain the VA funding fee and any exemption up front so there are no surprises at the closing table.
Roy at a glance
| Detail | Roy |
|---|---|
| County | Weber County |
| Area | Ogden Area |
| ZIP code | 84067 |
| Public schools | Weber 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 Roy buyers use most
VA loans lead the way here, with FHA, conventional and assistance programs close behind.
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 Weber 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 moreWeber 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 Weber 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 Roy
- Get your VA Certificate of Eligibility early; we can usually pull it online in minutes.
- Older homes can need updates; ask about adding repairs to your loan.
- 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 Roy 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 Roy
South Ogden
South Ogden is an established residential city on the bench south of Ogden, with mature neighborhoods, valley views and quick access to US-89 and Weber State University.
Learn moreUintah
Uintah is a small town at the mouth of Weber Canyon, between South Weber and South Ogden, with a rural feel, larger lots and quick access to US-89 and I-84.
Learn moreWashington Terrace
Washington Terrace is a small, close-knit city just south of Ogden and South Ogden, with established neighborhoods of single-family homes and easy access to US-89.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreRoy Home Loan Questions
Yes. Roy's established, attainable homes make it a popular first purchase. We compare FHA, VA, 3% down conventional and down payment assistance options to find your lowest cost to get in.
Roy is in Weber 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.
It depends on your down payment and whether you've used your VA benefit before. For a first-use purchase with less than 5% down, it's 2.15% of the loan amount, and it can be financed into the loan. Veterans receiving VA disability compensation are generally exempt.
Often, yes. With PCS orders in hand, lenders can usually count your new duty pay and close before you report, as long as you'll move in within a reasonable time, generally 60 days. We'll map out the timeline with you.
Ready to buy in Roy?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.