South Jordan Home LoansFor New Homes & Growing Families
Thinking about a brand-new home in South Jordan? Before you sit down with a builder, know your numbers and your options so you can compare incentives with confidence.
- New-construction know-how
- Many lenders, one local contact
- Fast pre-approval
Should I use the builder's lender for a new home in South Jordan?
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 Salt Lake County, 2026 single-family limits are $832,750 for conventional and $637,100 for FHA loans.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
A growing community with room to put down roots
South Jordan is home to Daybreak, a 4,200-acre planned community with three TRAX Red Line stations, Oquirrh Lake and the Salt Lake Bees' ballpark, which opened in 2025. The city also has a FrontRunner station and established neighborhoods along the Jordan River.
Resale homes in growing areas move quickly too. We get your pre-approval fully reviewed up front, so you can write a strong offer on a resale home or a builder's move-in-ready home without waiting on underwriting.
South Jordan at a glance
| Detail | South Jordan |
|---|---|
| County | Salt Lake County |
| Area | Southwest Valley |
| Common ZIP codes | 84009, 84095 |
| Public schools | Jordan 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 South Jordan buyers use most
Here's where most South Jordan buyers start.
Conventional Loans
Up to $832,750 in Salt Lake County, from 3% down for qualifying first-time buyers.
Learn moreFHA Loans
3.5% down and flexible credit, up to $637,100.
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 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 South Jordan
- South Jordan's Redevelopment Agency offers down payment help for income-qualified buyers within city limits; ask us about current terms.
- Daybreak homes come with HOA dues, which lenders count in your debt-to-income ratio.
- Get a new-construction inspection anyway. Pre-drywall and final inspections cost little compared with fixing a problem later.
- Move-in-ready (spec) homes can close faster than a full build; ask the builder which homes will finish within your rate-lock window.
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 South Jordan 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 South Jordan
West Jordan
West Jordan is one of Utah's largest cities, with six TRAX Red Line stops, Jordan Landing's shopping and Gardner Village.
Learn moreBluffdale
Bluffdale sits at the south end of the valley between the Jordan River and Camp Williams, with a semi-rural feel, horse properties and larger lots alongside newer planned neighborhoods.
Learn moreCopperton
Copperton is a small historic town near the mouth of Bingham Canyon, built in 1926 by the Utah Copper Company as a company town for mine workers.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreSouth Jordan Home Loan Questions
South Jordan's Redevelopment Agency offers qualifying buyers the lesser of 7.5% of the price or $20,000, as a loan that becomes a grant after 10 years. Household income must be at or below 80% of area median income, with a 650+ credit score and $1,000 of your own funds. Confirm current terms before you count on it.
South Jordan is in Salt Lake County, where the 2026 single-family limits are $832,750 for conventional loans and $637,100 for FHA loans. VA loans have no limit for borrowers with full entitlement, and loans above $832,750 are jumbo loans.
Not for a completed home. New homes can be financed with the same programs as resale homes, including FHA, VA and 3% down conventional loans. Builders usually ask for earnest money, and custom builds with a construction loan can require more down.
Yes. We're a mortgage broker based in Layton, serving South Jordan 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 South Jordan?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.