Edge Home Finance – Utah

Edge Home Finance Utah Logo

Edge Home Finance Utah - Our Preferred Lending Partner

We partner with Edge Home Finance because they know how to get deals done. They’re fast, flexible, and deeply knowledgeable about the programs Utah buyers need most.

Looking for lending options in Utah? This page highlights why we recommend Edge Home Finance Utah and how their local loan officers help Utah buyers secure no money down loans, Utah home grants, and creative financing.

Why Edge Home Finance?

Edge Home Finance is an independent brokerage - not a big bank - which means they can shop dozens of lenders to find the best rate and terms for each buyer. That flexibility gives our clients real options and better outcomes.

Their team understands the Utah market, communicates clearly, and makes the process smoother from start to finish. We've worked with them on dozens of transactions and continue to be impressed.

Meet the Edge Home Finance Team We Work With

Kira Stirling - Edge Home Finance Utah

Kira Stirling

Loan Officer - Edge Home Finance

📞 (801) 666-2961
📧 kira@edgehomefinance.com
🌐 View Profile

I’m not just your mortgage loan officer - I’m your hype squad, strategy partner, and probably Spotify’s top Noah Kahan listener. I treat every homebuyer journey like a mixtape: personalized, full of good vibes, and just the right amount of chaos in a "this could be the best thing ever" kind of way.

I specialize in working with low credit and low income because affordable housing isn’t just my thang - it’s kind of my passion. Beyond the loan itself, I’m out here hunting down every grant, city program, and down payment assistance option to make your path smoother (and more affordable).

Whether you’re two weeks from move-in ready or two years from "just curious," I’m all in. I believe everyone deserves a roadmap to homeownership, and I love being the co-pilot. (As long as you’re okay with GIF responses here and there…)

When I’m not helping clients snag keys to their starter home or forever home, you’ll probably find me skiing down a mountain, gaming in a first-person shooter, or curled up with a juicy murder mystery. Oh - and probably still listening to Noah Kahan. Nonstop.

✨ Let’s make home happen. ✨

Jim Booher - Edge Home Finance Utah

Jim Booher

Loan Officer - Edge Home Finance

📞 (385) 323-8395
📧 jbooher@edgehomefinance.com
🌐 View Profile

Jim is solid - smart, calm, and experienced. He works well with buyers who need extra support, especially those looking at foreclosures, off-market deals, or unconventional financing. He brings creative thinking to the table and always keeps the process grounded and clear.

Programs and Pathways to Ownership

Whether you’re a first-time buyer, returning after a life change, or just exploring options, Edge Home Finance is the go-to resource for navigating Utah’s best programs. Their team helps match buyers with down payment assistance, government-backed loans, and grant programs you may not even know exist.

Zero Down Options Homeownership with nothing out of pocket? These options make it possible. Edge Home Finance helps you qualify and navigate FHA, Conventional, and USDA programs that allow for 100% financing.
Utah Housing Specifically designed for Utah residents, these programs help cover your down payment and closing costs. Edge Home Finance knows how to unlock every benefit Utah Housing has to offer.
Private Bank Assistance From Chenoa to other institution-backed support programs, Edge Home Finance helps you tap into funding pools that make homeownership possible - even if you’re short on savings.
VA Loans 100% financing for active duty service members and veterans. No mortgage insurance, low rates, and expert guidance from Edge Home Finance every step of the way.
Investor & Renovation Loans Buying a fixer-upper or building a portfolio? Edge Home Finance can structure the financing to fit your goals - whether you’re flipping or holding long term.
Self-Employed Programs Write-offs don’t have to hold you back. Edge Home Finance works with lenders who understand complex income situations - especially for 1099 earners and business owners.
City & State Grants Free money exists - and Edge Home Finance knows where to find it. Local grants can reduce upfront costs and ease the path to ownership for qualifying buyers.

FAQ - Edge Home Finance Utah

1. Can Edge Home Finance Utah help if I have low credit or limited savings?

Yes. Edge Home Finance Utah specializes in helping buyers who might not qualify with traditional lenders. Whether you're working on rebuilding credit or don’t have much saved, they can connect you with Utah-based grant programs, 0% down options, and underwriting solutions that open doors.

2. What’s the difference between Edge Home Finance and a big bank?

Edge Home Finance Utah is a mortgage brokerage - not a direct lender - so they aren’t tied to just one option. They shop dozens of lenders on your behalf to find the most competitive rates and flexible guidelines, especially for unique Utah buyers who need personalized solutions.

3. Are Utah homebuyer grants and zero-down programs still available?

They are - but many are limited in availability or tied to specific income, credit, or location requirements. Edge Home Finance Utah stays up-to-date on programs like Utah Housing, USDA, and city-level grants to help you take advantage of what's active right now.

4. Can I get pre-approved in Utah before I’ve picked a home?

Absolutely - and it's one of the smartest first steps. Pre-approval gives you a clear picture of your budget and strengthens your offer when you're ready to shop. Edge Home Finance Utah often gets pre-approvals done same-day, so you can move forward confidently.

5. What if I’ve been turned down by another lender?

That’s more common than you’d think. Edge Home Finance Utah works with a wide range of lenders - including many who offer second-look or alternative documentation programs. A "no" elsewhere doesn’t mean you’re out of options. Let their team take a fresh look.

6. Is there any cost to apply or get pre-approved?

Nope. It’s 100% free to apply through Edge Home Finance Utah. You’ll get a breakdown of your available programs, loan options, and estimated monthly payments - so you can decide what works best for you without any pressure.

7. Can Edge Home Finance help if I’m self-employed in Utah?

Yes. Whether you're a contractor, small business owner, or 1099 earner, Edge Home Finance Utah understands the nuances of self-employed income. They work with lenders who offer flexible guidelines - using bank statements, P&Ls, or asset-based programs to help you qualify.

8. Do I have to be ready to buy right now to talk to someone?

Not at all. Edge Home Finance Utah is happy to chat even if you're just exploring. Whether you're 30 days or 2 years out, they can help you map out a custom game plan based on Utah’s market, programs, and timelines - at your pace.

9. What areas in Utah does Edge Home Finance serve?

Edge Home Finance serves buyers statewide - from Salt Lake City to St. George and everywhere in between. If you're purchasing in Utah County, Davis, Weber, Washington, or rural areas, they’ve got the tools and programs to support your journey.