Utah VA Loan Resources Hub
Every free tool, guide, and resource Mike publishes — all in one place.
Downloadable PDFs
- The UT VA Loan Playbook — 30+ page comprehensive guide to using VA financing in Utah. Covers eligibility, calculations, UT-specific advantages (Utah's disabled-Veteran property tax abatement, Down Payment Assistance (DPA)), summer PCS tactics, VA appraisal, refinancing, and pitfalls.
- UT Veteran Money-Saving Guide — quarterly-updated 20-page guide to UT + federal veteran benefits, discounts, and tax breaks. Updated quarterly.
Calculators (8 total)
- BAH → Purchase Price — base + rank → max UT home price with UT summer utility reality
- Funding Fee Calculator — first use vs subsequent + disability waiver
- PITI Payment Calculator — full monthly with UT county property tax + insurance + HOA
- Max $0-Down Purchase Calculator — income → max VA home price at 41% DTI guideline
- Disabled-Veteran Tax Savings Calculator — disabled Veteran property tax exemption $ savings
- IRRRL Recoupment Calculator — 36-month VA rule pass/fail
- Disability Gross-Up Calculator — 25% boost to qualifying income
- Residual Income Calculator — VA's West region 2026 thresholds
- All calculators in one place
Core UT VA loan guides
- Home — site index + base routing
- Eligibility — COE, service requirements, entitlement
- 2026 UT Loan Limits — all 15 counties + jumbo
- Disabled-Veteran Property Tax — 2026 expansion deep dive
- Funding Fee + Waiver — 10%+ disability waiver
- IRRRL Streamline Refi
- First-Time VA Buyer
- Assumable VA Loans
UT-specialist content (zero-national-coverage)
- UT DPA + VA Stacker — Utah Housing Corporation FirstHome and Score second mortgages layered with VA financing
- VA Construction Loans in UT — single-close vs two-close + UT builder list
- Snowbird to Utah resident — occupancy and tax-residency transition (ask Mike)
- Tribal Lands + NADL — 8 UT tribes + Native American Direct Loan
- Master-planned community VA status — Daybreak and other Utah master-planned communities (ask Mike for a pre-offer check)
- Wildfire + Insurance Reality — Park City, Wasatch Back, Summit County foothills
- Salt Lake City vs Provo vs Ogden — UT metro comparison
- Summer PCS playbook — June-August buyer competition tactics (ask Mike)
- UT Retiring Veteran Guide — top-3 US retirement state for Veterans
- VA Loan Glossary — 75+ UT-relevant terms
Comparison pages
Base hubs (deep PCS guides)
- Hill AFB — F-35A, Layton / Clearfield / Ogden
- Dugway Proving Ground — Army test range, Tooele County
- Tooele Army Depot — munitions storage, Tooele
City guides
- Salt Lake City · Provo · Ogden · St. George · Lehi · Layton · West Jordan
Veteran discounts
- Statewide UT veteran discounts — state programs + federal benefits + national chains
- Salt Lake City VA buyer guide
- Provo VA buyer guide
- Ogden & Hill AFB VA buyer guide
Free services
- UT VA Credit Tune-Up — free credit coaching for Veterans planning to buy in 6-12 months
- 60-Second Eligibility Check — 3-step intake, no credit pull
Connect with Mike
- About Mike — credentials, NMLS, philosophy
- Contact — phone, email, contact form
- For Real Estate Agents — Realtor referral playbook
External resources worth knowing
- NMLS Consumer Access — verify Mike's license + Cornerstone's license
- VA Home Loan Benefits (VA.gov) — official VA loan documentation
- UT Department of Veterans' Services — state Veteran programs
- Utah Housing Corporation — down payment assistance and first-mortgage programs
- Utah Department of Veterans & Military Affairs — state Veteran benefits and resources
- Utah State Tax Commission — Pub 36 — disabled-Veteran property tax abatement