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Second MortgageStatewideTemporarily PausedRenews July 1

HomeChoice

Neighborhood Nonprofit Housing Corporation (NNHC)

Up to

$70,000

Renews July 1 each year

Assistance

Second Mortgage

Area

Statewide

Buyers

Repeat buyers welcome

Income

80% AMI limit

Funding renews

July 1

What This Program Offers

Statewide 2nd mortgage for Utah buyers with disabilities (or whose household includes someone with a disability per ADA 1990 / Fair Housing Amendment Act 1988).

  • Up to $70,000 at 1% fixed for 30 years, no prepayment penalty.
  • Pairs with a primary mortgage to lower the overall monthly payment.
  • Existing single-family homes only.
  • Funded by the Olene Walker Housing Loan Fund through the State of Utah.
  • Currently out of funds — NNHC approved for additional funding; expected August–September 2026.

Who Qualifies

Location

Available statewide in Utah

Buyer type

Repeat buyers welcome

Primary residence

Must be your primary home — not an investment property

Your contribution

You must contribute at least $500 of your own funds

Income limits

Household income must not exceed 80% AMI for Salt Lake County

Household80% AMI Limit
1 person$70,650
2 people$80,750
3 people$90,850
4 people$100,900

Showing sizes 1-4. See all household sizes

Salt Lake County • FY 2025 HUD Income Limits

How to Apply

  1. 1

    ⏸️ Currently out of funds — NNHC approved for additional funding; expected August–September 2026. Contact Suzanne to get on the list.

  2. 2

    Confirm a borrower or household member meets the ADA / Fair Housing disability definition.

  3. 3

    Verify household income meets current HUD income limits for your county.

  4. 4

    Obtain pre-approval for a primary mortgage (FICO 640+, DTI ≤ 45%).

  5. 5

    Contact Suzanne at NNHC: 435-799-8116 / sjacob@nnhc.org for the HomeChoice application.

  6. 6

    Identify an existing single-family home in Utah; contribute at least $500 of your own funds.

  7. 7

    Close primary mortgage with HomeChoice as a 2nd lien at closing.

Documents you'll need

  • Proof of disability (borrower or household member)
  • Household income verification (HUD limits)
  • Primary mortgage pre-approval (FICO 640+, DTI ≤ 45%)
  • Proof of $500 minimum borrower contribution
  • Purchase contract for an existing Utah single-family home

Program Contact

Suzanne Jacob | 435-799-8116 | sjacob@nnhc.org
Official Website

Last verified: 2026-07-07