Edge Home Finance – Utah
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
Loan Officer - Edge Home Finance
📞 (801) 666-2961
📧 kira@edgehomefinance.com
🌐 View Profile
I'm not just your mortgage loan officer. I'm the one who answers when you call, delivers industry competitive rates, and structures creative financing solutions most lenders won't touch. I close loans with the lowest possible fees, even on tight timelines where failure isn't an option.
Whether you're buying your first home, optimizing financing as a repeat buyer, or working through a complicated scenario, I find the path forward. That might mean uncovering grant programs and down payment assistance you didn't know existed, structuring a loan for a higher priced home with better terms, refinancing to access equity, or simply ensuring you're not leaving money on the table. I build strategies that turn "maybe later" into "let's close this."
My approach is simple: I listen first, then I build a plan. I provide clear options and honest guidance, whether you're closing in two weeks or exploring what's possible two years from now.
I work with buyers across the credit and income spectrum because I believe access to homeownership shouldn't be one size fits all. Every buyer deserves someone who will dig deeper, think strategically, and leave no opportunity on the table.
When I'm not structuring loans, you'll find me on the slopes, adding to my plant collection, or checking in on my jumping spiders.
If you want a loan officer who brings structure, creativity, and straight talk to your financing, let's connect.
✨ Let’s make home happen. ✨
Jim Booher
Loan Officer - Edge Home Finance
📞 (385) 323-8395
📧 jbooher@edgehomefinance.com
🌐 View Profile
Jim doesn't just close deals. He solves them.
With years of experience navigating complex financing, Jim specializes in the loans and situations other lenders avoid: foreclosures, off market opportunities, unconventional financing scenarios, and deals that need creative problem solving to get across the finish line.
He brings calm, strategic thinking to every transaction. No panic. No chaos. Just clear guidance and solutions that work, even when the path forward isn't obvious. Whether you're competing in a tough market, working with unique property types, or need someone who can think three steps ahead, Jim's your guy.
Buyers trust Jim because he doesn't overcomplicate things. He listens, he strategizes, and he executes. You get honest answers, proactive communication, and someone who actually enjoys turning complicated situations into successful closings.
When he's not structuring loans or hunting down creative financing solutions, you'll find Jim actively serving his country in the military, staying sharp on VA loan processes he knows inside and out, traveling to new places, or spending time with his family.
If you want a loan officer who brings experience, creativity, and steady leadership to your financing, let's talk.
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.
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.