Sandy Home LoansFrom a Local Mortgage Broker
Sandy 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 Sandy, Utah?
Sandy 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
Sandy is home to America First Field, where Real Salt Lake plays, plus Dimple Dell Regional Park and four TRAX Blue Line stations. Neighborhoods climb from established homes near State Street to east-bench properties with valley views near Little Cottonwood Canyon.
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.
Sandy at a glance
| Detail | Sandy |
|---|---|
| County | Salt Lake County |
| Area | South Valley |
| Common ZIP codes | 84070, 84092, 84093, 84094 |
| Public schools | Canyons 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 Sandy buyers use most
From first purchases to move-up homes and equity, these are the programs Sandy 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 Sandy
- East-bench homes near the canyons often price near or above $832,750, so compare conforming and jumbo options.
- Commuting by TRAX? Homes near the Blue Line stations can shorten your commute.
- 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.
- Many homes here are well established. Budget for updates, or use a renovation loan to roll them into your mortgage.
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 Sandy 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 Sandy
White City
White City is a small residential city of less than one square mile, surrounded by Sandy.
Learn moreDraper
Draper sits at the Point of the Mountain, with Corner Canyon's trail system, a FrontRunner station and TRAX Blue Line stations.
Learn moreSalt Lake City
Salt Lake City is Utah's capital and largest city, with neighborhoods ranging from the historic Avenues and Sugar House to Rose Park, Glendale and the east bench.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreSandy Home Loan Questions
Many first-time buyers start with Sandy's townhomes and older ramblers, which are typically more attainable than east-bench homes. FHA, 3% down conventional loans and down payment assistance can all help, and we'll compare them for you.
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.
If you love your Sandy 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.
Yes. We're a mortgage broker based in Layton, serving Sandy 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 Sandy?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.