First Time Home Buyers

Are you ready to buy a home in Utah?

Go through this toggle to find out if you are ready to buy a home and receive some helpful tips!

What is your yearly income?

Less than $50k

Your income is below average for a Utah home buyer. You may qualify for some C-class homes in Utah. You may need to find a way to increase your income if you want to live in a B Class neighborhood. I suggest talking with a lender to see their ideas and what you currently qualify for.

Between $50k-$100k

Your income is average for a Utah home buyer. There are a lot of homes in Utah that you will qualify for. You will mainly be qualified for B-Class homes in Utah. If you want to live in an A-class neighborhood you may need to increase your income.

More than $100k

Your income is above average for a Utah home buyer. There are a lot of A-Class homes in Utah that you will qualify for.

How long have you had your current job?

Less than 2 years

Lenders like to see employment history for 2 years to qualify someone to buy a home. You may not be in a great position because you have not had the same job for 2 years. However, some lenders may make exceptions if you can prove that your income is stable. I suggest chating with a lender about your job situation and ask their advise.

More than 2 years

Lenders like to see employment history for 2 years to qualify someone to buy a home. You are in a great position because you have had the same job for 2 years. I suggest not switching jobs before buying a home because it could potentially slow down the process.

Have you met with a lender and got prequalified?

Yes, and I am prequalified.

Congrats! If you are pre-qualified you are ready to buy a home and should have a good idea of your budget.

No not yet.

You will want to talk with a lender and fill out an application to get pre-qualified to buy a home. Lenders will look at your income, savings, job history, and credit score to determine what home price you will qualify for.

Yes, but I am not pre qualified.

I suggest you come up with a game plan with your lender so you can get pre-qualified in the future.

How much money do you currently have saved up?

Less than $20k

You may need to save more money to buy a home. You will need to put down 3-5% of the total purchase price of your new home.

More than $20k

You have a good amount of money saved up to buy a home. Because you are a first-time home buyer you will only need 3-5% down as long as you will be living in the house.

Utah Home Price Break Down by Area

How much money do you need to save up to buy a home in Utah?

East Salt Lake Valley

East Salt Lake

This includes Sugar House, The Avenues, Cottonwood Heights, and Sandy neighborhoods. This area is the most expensive in Utah and you will need about $30K-$50K saved up to buy in these areas.

West Salt Lake Valley

West Salt Lake

This included cities like West Valley City, Magna, and West Salt Lake City. These areas are the least expensive in the Salt Lake Valley. You will need around $10k-$30k saved up to buy in these areas.

Central Salt Lake Valley

Central Salt Lake

This area included cities like Midvale, West Jordan, Riverton, and Herriman. This area is a very nice area in Utah and you will need about $20k-$40k saved up for this area.

North Salt Lake to Layton

This area included cities such as Bountiful, North Salt Lake, and Layton. This area is comparable to central salt lake and you will need $20k-$40k saved up to buy a home in these areas.

Utah County

Utah County included cities such as Provo, Eagle Mountain, and Pleasant Grove. There are some expensive areas in Utah County but there are also areas where housing is more affordable. You will need $10k-$50k saved up for this area.

Ogden Area

This includes cities such as Ogden, Clearfield, and Clinton. There are really nice areas of Ogden but you can find affordable housing here. You should have $10k-$40k saved up to buy in the Ogden area.

Tooele County

This includes cities such as Tooele, Stansbury, Lake Point, and Granville. Tooele County is growing more each year and as it grows home prices slightly go up as well. To buy a home in Tooele you need $10k-$40k saved up.

Reviews

See what past clients have said.

Joshua Miller

17:35 17 Mar 24

Jocelyn helped us buy our first home which is also a long term investment. She walked us through the ins and outs of everything and was especially great at helping analyze the purchase from an investment perspective. We’re grateful she was a part of our team.

Brooklyn Longhurst

19:40 27 Feb 24

Jocelyn is an incredible real estate agent. She truly has her clients best interest at heart and wants to see them succeed. Her dedication and passion for real estate is evident with what we were able to achieve with her help. I highly recommend having Jocelyn on your team when stepping into real estate. She gave great insight and reassurance on buying our first home.

Spencer Longhurst

20:17 13 Feb 24

Jocelyn was awesome! She is very knowledgable with the industry. We were looking for a House Hack opportunity and after finding one, Jocelyn helped us out so much and helped us close the deal in the best financially possible way! She has been a great asset since closing and is helping us find some tenants and pointing us to excellent resources to use during our new landlord experience. I can't recommend Jocelyn enough!

Joshua Bastian

15:46 04 Nov 23

Jocelyn was incredibly resourceful while guiding us through our first home purchase. We were in the market for our very first house hack and as an investor herself, Jocelyn was the perfect partner in our first deal!

Conner Holmes

15:41 21 Sep 23

Jocelyn was awesome! She was so knowledgeable about the properties and helped us through the entire home buying process. She buys properties herself so she has the expertise to navigate all the ins and outs of home buying. She helped a complete beginner like myself buy a house in about a month! Thank you so much Jocelyn!

Colten McEwan

19:27 13 Sep 23

Jocelyn was referred to me by my sister, who has worked with Jocelyn before. Now I know why. Jocelyn was a joy to work with and was very much on top of everything and helpful throughout the entire home buying process. She worked hard to understand our needs and negotiated accordingly with the seller's agent. She certainly went up to bat for us and sacrificed on our behalf. I highly recommend Jocelyn to anyone else interested in finding an agent for their own home buying goals. Thank you Jocelyn! :D

Kayla McEwan

19:19 02 Sep 23

Jocelyn is seriously so awesome. She really knows her stuff and was the best ever to work with. She kept us super informed every step of the way and got us into our dream home. Highly recommend!

Trent Hansen

19:16 01 Sep 23

Jocelyn made me feel really comfortable doing something that’s very uncomfortable. She made the process of buying my first rental property very easy and worry free. She stayed with me after the sale was done and helped me any way she could. She’s a rockstar

Alex Harper

21:22 30 Aug 23

Jocelyn was an amazing Realtor! She was very fast to respond to any question we had and was very accommodating to our schedules when showing us homes. I don't think there was a single time in our home search that she didn't get back to us within a few hours. She helped us with multiple offers (and counters) on several properties without any issue which ultimately won us our current home!Jocelyn is a great agent. We're looking forward to working with her again in the future for investment properties.

Jennii Fielding

13:28 01 Aug 23

Jocelyn has been great to work with!! She did a lot more for me than a typical realtor. She helped me analyze investment property numbers, provided me her systems for managing rentals, and continues to provide advice on my property and the rehab now that the sale has closed. I look forward to working with her on future investments!

Thomas Campbell

18:26 27 Jul 23

Awesome agent! Great eye for the details

Hunter Henderson

17:01 07 Jun 23

Jocelyn is an amazing realtor. Anyone who is looking to buy their first home or scale their real estate portfolio is missing out if they don’t work with her. What makes Jocelyn unique is that she is an investor herself. She has spreadsheets and organizational tips to help anyone start their real estate journey. She is very responsive and listens to what is important to you. On top of that, she is collaborative and transparent.If you are considering using Jocelyn, please don’t hesitate to reach out to me. I am happy to share my experience with you. Don’t miss out on the best!

Chris Gallick

19:17 22 Nov 22

I had the pleasure of working with Jocelyn over the last several months as she helped me secure an investment property in the SLC area. After connecting with multiple agents, I decided to work with Jocelyn since I found her to be the most honest and sincere. She is very knowledgeable about her market and was patient with me as a new investor in her area. Jocelyn was quick to reply to my inquiries and connected me with reputable contractors and property management. I get the sense that she truly cares about helping her clients reach their investment goals. Jocelyn made the whole experience as smooth as possible and I hope I can work with her again soon.

AM & SP Rentals

17:17 07 Nov 22

We loved working with Jocelyn. She did amazing with negotiations landing us a great deal on our home. I am looking forward to using her again on our next property!

Gregory Iorg

18:24 06 Nov 22

Jocelyn was a great to work with. She helped me sell my fourplex in just a week. She put together a P&L statement for me and really went the extra mile.