Financing · St. George, UT
Get pre-approved before you find the house.
The right loan makes your offer stronger and your payment smarter. We work with a local lender who has options for every situation, from first-time buyer and down payment assistance programs to VA, USDA, and jumbo loans.
Loan Options
A loan for every kind of buyer
Every buyer's situation is different. Here's the short version of the main options. Alex will tell you which ones you actually qualify for.
Conventional
The most common home loan. Flexible down payment options and no upfront mortgage insurance fee. Strong credit gets the best terms.
FHA
Government-backed, with a low down payment and more flexible credit guidelines. A common pick for first-time buyers.
VA
For eligible veterans, active-duty service members, and some surviving spouses. Often no down payment and no monthly mortgage insurance.
USDA
Zero-down financing for eligible buyers in qualifying rural and outlying areas. Parts of Southern Utah may qualify. Ask Alex to check an address.
Down payment assistance
Utah Housing and other programs can help qualified buyers cover a down payment or closing costs. Eligibility depends on income, price, and the loan.
Jumbo
For homes above conventional loan limits. Built for luxury and higher-cost properties across Washington County.
How It Works
From application to keys
Your agent and your lender work together the whole way, so nothing slips between the two.
Apply
Start online or have Alex call you. It takes a few minutes to get the ball rolling.
Get pre-approved
Alex reviews your income, assets, and credit, then tells you what you can comfortably afford.
Shop and offer
Tour homes with your Genuine agent and write offers backed by a real pre-approval.
Close
Appraisal, final approval, and settlement. We track every REPC deadline until you have keys.
Talk to a Lender
Have Alex contact you
Tell us a little about what you're looking for and Alex will reach out. No pressure and no commitment. Prefer to call? (435) 680-1513.
Get in touch
A real person reaches out, usually within one business day.
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Should I get pre-approved before looking at homes?
Usually, yes. A pre-approval tells you what you can likely afford and makes your offer stronger to sellers.
What's the difference between pre-qualified and pre-approved?
Pre-qualification is a quick estimate based on what you tell a lender. Pre-approval means the lender has reviewed your income, assets, and credit. Sellers take a pre-approval more seriously.
How much do I need for a down payment?
Less than most people think. It depends on the loan: some VA and USDA loans need nothing down, and other programs need only a small percentage. Alex will show you the real number for your situation.
What are closing costs?
Closing costs are the lender, title, and escrow fees paid at settlement, separate from your down payment. Your lender gives you a Loan Estimate that breaks them down.
Do I have to use Alex?
No. You can use any lender you like, and we'll work with them. We recommend comparing a few options before you choose.
Ready When You Are
Approved. Now go find the house.
Book an appointment with one of our agents and we'll show you upfront exactly what we'll do.
The Genuine Group · Brokered by Red Rock Real Estate · (435) 375-4452 · The Genuine Group is not a lender. Loans are offered by Alex Hernandez, Guild Mortgage, NMLS# 1605167. All loans subject to credit approval. Not a commitment to lend. Equal Housing Opportunity · #STAYGENUINE
