Roy, UT
Buy your first Roy, UT home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Roy budgets. We walk you through every step.
Roy home loans, the honest version.
Roy borders Hill Air Force Base’s northern boundary and has structurally served as the primary bedroom community for the base’s tens of thousands of military and civilian employees for over 80 years; VA loan volume here is among the highest per capita in the Ogden metro, and the city’s I-15 location at the base’s direct access point makes that demand durable regardless of rate cycles.
That market shapes the loan. In Weber County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Roy purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Roy from the ground up — close to Hill Air Force Base’s northern gate. We finance homes across North Roy, South Roy, West Roy, and Crestwood Estates — and every other corner of Roy. Looking for a mortgage broker near you in Roy? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Roy market knowledge
Near Hill Air Force Base's northern gate, across North Roy, South Roy, West Roy — we know Roy's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Roy buyers often start with VA (primary), FHA, conventional — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Roy file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Roy loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Roy, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Matched to your Roy purchase, not a template.
For Roy we lean on VA (primary), FHA, conventional through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Roy, we also help buyers in Ogden, Layton, Bountiful. See all Utah cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Roy, UT buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Roy office.
Roy mortgage questions, answered.
What's the 2026 conforming loan limit in Roy?
In Weber County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Roy?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Roy. We match you to the ones you qualify for.
Which Roy neighborhoods do you serve?
We serve buyers across Roy, including North Roy, South Roy, West Roy. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Roy, UT?
Yes. We help Roy homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate UT financing for you.
Do you serve areas near Roy?
Yes — we also work with buyers in nearby Ogden, Layton, Bountiful. Same process, local loan-limit details for each.
Let's finance your Roy home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Roy purchase and shop the lenders for you.