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Welcome to Territorial Mortgage!

How can we help you today?

Here on our website, you will find tools to answer virtually any home financing question.  Below are links to a few of our most popular pages.  Use the navigation bar on the left-hand side of the site for full access to all areas of our website.

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Meet The Team!

Contact Us

 Shopping Around For the Best Deal?  Here's the Inside Scoop on How to Do It Right!

Not sure if now is the right time to buy a home?  Watch our short, informative videos:

Can I Really Catch the Bottom of the Market?

Can I Still Get a Mortgage In Today's Volatile Market?

What if my house never goes up in value, should I still buy?"

4.5% 30 Year Fixed Rate......True or False?

$8,000 Tax Credit for First Time Homebuyers!

Housing Affordability

New Appraisal Regulations and How They Effect You

  Did you know that 100% Financing is Still Available?  Click here for more details!

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FHA Mortgage Blog


Idaho Housing and Finance Association (IHFA) Zero Down 100% Financing for First-Time Home Buyers - 7 hours ago
Idaho Housing and Finance Association (IHFA) Zero Down 100% Financing for First-Time Home Buyers. IHFA has a few different loan programs and options for getting 100% financing on the purchase of a property.The definition of a first-time home buyer is any person not owning a home within the past three years.  It is an exciting [...]
What are the Utah Housing Income Limits? - 8 hours ago
The income limits for Utah Housing vary depending on household size and area. Certain “Targeted” areas are found in Ogden, Logan, and Salt Lake. The “Targeted” areas allow for slightly higher income. These income limit requirements must be met for the coming 12 months.Income Limits – All Types of LoansNontargetedTargetedHousehold size1 & 23 +1 & [...]
Idaho USDA Rural Development (RD) Zero Down 100% Financing First-Time Home Buyer Loan - 23 hours ago
Idaho USDA Rural Development (RD) Zero Down 100% Financing loans are great for First-Time Home Buyers. One of the great things about USDA Rural Development loans is you can get 100% financing for the purchase of your home. There are borrower income limits and properties in certain areas are not eligible. If you are curious [...]
Reverse Mortgages: How do they work? - 1 day ago
.style1 { font-size: large;}A reverse mortgage is a loan against your home that you do not have to pay monthly payments for as long as you live in the home. In Utah you can refinance a traditional mortgage with a reverse mortgage and/or be paid cash by borrowing the equity in your home.A reverse mortgage works [...]
Down Payment and FHA Mortgages in St. Louis - 3 days ago
The questions I receive the most often from First Time Home Buyers in and around the St. Louis area is regarding the FHA required 3.5% down payment. In many instances the First Time Home Buyers I am working with either barely have that much saved up or they don’t have anything saved up for a down payment, [...]