Smithfield Home LoansFor New Homes & Growing Families
Smithfield 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 Smithfield?
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 Cache County, 2026 single-family limits are $832,750 for conventional and $541,287 for FHA loans.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
A growing community with room to put down roots
Smithfield is a growing city in northern Cache Valley along US-91, a short drive north of Logan, with established neighborhoods, newer subdivisions and a strong small-town community.
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 Smithfield.
Smithfield at a glance
| Detail | Smithfield |
|---|---|
| County | Cache County |
| Area | North Cache Valley |
| ZIP code | 84335 |
| Public schools | Cache County 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 Smithfield buyers use most
New construction and growing families make these the most common fits.
Conventional Loans
Up to $832,750 in Cache County, from 3% down for qualifying first-time buyers.
Learn moreFHA Loans
3.5% down and flexible credit, up to $541,287.
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 moreCache 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 Cache County fit under this limit. |
| FHA | $541,287 | 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 Smithfield
- Some areas toward the edges of town may be USDA-eligible; we check by address.
- Compare builder incentives against an outside Loan Estimate.
- Move-in-ready (spec) homes can close faster than a full build; ask the builder which homes will finish within your rate-lock window.
- 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 Smithfield 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 Smithfield
Trenton
Trenton is a small agricultural town in northern Cache Valley near the Bear River, with farmland, larger lots and a quiet, rural pace.
Learn moreAmalga
Amalga is a small town in northwest Cache Valley, west of Smithfield, with a quiet rural setting surrounded by farmland.
Learn moreBenson
Benson is an unincorporated farming community in Cache Valley, northwest of Logan, with open fields, larger parcels and a rural lifestyle a short drive from town.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreSmithfield Home Loan Questions
Possibly. Some parts of northern Cache Valley may be eligible for USDA's $0-down loans, depending on the address and your household income. We'll check the specific property.
Smithfield is in Cache County, where the 2026 single-family limits are $832,750 for conventional loans and $541,287 for FHA loans. VA loans have no limit for borrowers with full entitlement, and loans above $832,750 are jumbo loans.
Rate locks can usually be extended, sometimes for a fee. We track the builder's schedule with you and choose the lock length up front so delays don't catch you by surprise.
Yes. We're a Layton-based mortgage broker licensed throughout Utah, and we work with Cache Valley clients by phone, video and secure online application. You'll have one local loan officer from pre-approval to closing.
Ready to buy in Smithfield?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.