South Weber Home LoansFor Hill AFB Families & First-Time Buyers
Whether you just got orders to Hill Air Force Base or you're tired of renting, South Weber 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 South Weber?
Yes. Eligible veterans and active-duty service members can buy in South Weber with a VA loan: $0 down, no monthly mortgage insurance and no loan limit with full entitlement. The home must be your primary residence. South Weber 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 South Weber
South Weber sits on the northeastern edge of Davis County along the Weber River, with Hill Air Force Base on its southwest side and quick access to US-89 and I-84. It's a favorite for families who want a small-town feel close to base and the mountains.
Many South Weber 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.
South Weber at a glance
| Detail | South Weber |
|---|---|
| County | Davis County |
| Area | North Davis County |
| ZIP code | 84405 |
| 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 South Weber 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 South Weber
- Some homes near the mountains sit on larger lots; share property details early so we pick the right lender.
- Commuting to Hill AFB or Ogden? VA and FHA loans both work well here.
- Down payment assistance programs have limited funding windows, so check availability before you set a closing date.
- 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.
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 Weber 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 Weber
Sunset
Sunset is one of Davis County's smallest cities, tucked between Clearfield, Clinton and Roy, minutes from Hill Air Force Base.
Learn moreSyracuse
Syracuse is one of Davis County's fastest-growing cities, with new subdivisions, larger homes and the gateway to Antelope Island State Park.
Learn moreWest Point
West Point, at the northwest corner of Davis County, blends newer subdivisions with a rural, open-space feel.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreSouth Weber Home Loan Questions
No. South Weber is in Davis County, even though it's named for the Weber River. Davis County's 2026 limits apply: $832,750 for conventional and $744,050 for FHA single-family 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.
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.
Yes. We're a mortgage broker based in Layton, serving South Weber and communities across Davis County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in South Weber?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.