Flexible home loan solutions with expert guidance

Whether you're a first-time homebuyer or looking for a new place to call home, you’ll find a variety of flexible mortgage solutions at Cyprus to meet your needs — all with step-by-step guidance from our team of experts.

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No Down–Payment Options

Purchase a home with little to no down payment
  • Options available with no income limits or area limitations
  • Options available not requiring private mortgage insurance (PMI)
  • Qualifying Utah homebuyers can purchase a home using federal grants for their down payments and closing costs


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$20K Program Assistance

First-time homebuyers can get up to $20,000 of assistance from Utah Housing Corporation on new construction or newly constructed homes
  • Provides funding at 0% interest and no monthly payments
  • Available on purchases up to $450,000
  • Borrower must be a Utah resident for at least 12 months before closing
  • Cyprus Credit Union is an approved lender by Utah Housing Corporation


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Utah Home$tart® Grant

Get up to $5,000 for down payments and closing costs

  • May be used for down payment or closing costs
  • May be used in conjunction with other grants or credits
  • Available to borrowers who have not owned a home in the past three years
  • Borrowers must complete a homebuyer training class (may be done online)


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In-House Loan Options

Take advantage of personalized solutions to your unique homebuying situation

  • Find a personalized a lending option with a Cyprus home loan advisor
  • Lenders can take a closer look at individual financial situations


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Federally insured by NCUA. Equal Housing Lender. NMLS ID 666254. Loans subject to credit approval. Membership required; based on eligibility. Additional terms and conditions may apply. For full details on grants and eligibility requirements, speak with a Cyprus Credit Union home loan advisor.