West Point Home LoansFor New Homes & Growing Families
New subdivisions, parks and room for a growing family: West Point has a lot going for it. Get a pre-approval that's ready for a builder contract or a competitive resale offer.
- New-construction know-how
- Many lenders, one local contact
- Fast pre-approval
Should I use the builder's lender for a new home in West Point?
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 Davis County, 2026 single-family limits are $832,750 for conventional and $744,050 for FHA loans.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
A growing community with room to put down roots
West Point, at the northwest corner of Davis County, blends newer subdivisions with a rural, open-space feel. The West Davis Highway now ends here, giving residents a faster route south, and Hill Air Force Base is a short drive east.
Buying new means juggling a build schedule, a rate lock and the sale of your current home or the end of a lease. We map out the timeline with you and your agent so your financing is ready the day your home is.
West Point at a glance
| Detail | West Point |
|---|---|
| County | Davis County |
| Area | North Davis County |
| ZIP code | 84015 |
| 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 West Point buyers use most
Whether it's a builder's new home or a resale, these programs come up most in West Point.
Conventional Loans
Up to $832,750 in Davis County, from 3% down for qualifying first-time buyers.
Learn moreFHA Loans
3.5% down and flexible credit, up to $744,050.
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 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 West Point
- Some West Point properties have larger lots or animal rights; lenders treat those differently, so flag them early.
- Hill AFB families: VA loans work for West Point homes when you'll live in the home.
- New communities often have HOA dues, and lenders count them 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.
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 West Point 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 West Point
Clearfield
Clearfield borders Hill Air Force Base and is home to the Freeport Center, the former Clearfield Naval Supply Depot that's now one of the area's largest business parks.
Learn moreClinton
Clinton is a family-focused city in northwest Davis County, west of Clearfield and Sunset and a short drive from Hill Air Force Base.
Learn moreSouth 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.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreWest Point Home Loan Questions
Many Hill AFB families choose West Point for its newer homes and space. VA loans offer $0 down with no monthly mortgage insurance, and we coordinate your timeline around your report date.
West Point is in Davis 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.
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 West Point and communities across Davis County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in West Point?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.