P R E F E R R E D L E N D I N G P A R T N E R : A M E R I C A N P A C I F I C M O R T G A G E
A Better Way to Finance Your Heritage Home
Buying a home is about more than the purchase price. Heritage Craft Homes works with a trusted local lending partner to help you understand your monthly payment, explore available incentives and find financing options that fit your goals.
Start With The Payment
The Price of the Home Is Only Part of the Picture.
Home Price
The cost of the home.
Financing
Loan type, interest rate, and down payment affect affordability.
Incentives
Available builder incentives may help reduce upfront costs or monthly payment.
The Same Incentive Can Work in Different Ways.
Every buyer's goals are different. Available builder incentives can potentially be applied in more than one way, depending on whether you're focused on lowering your price, reducing what you bring to closing, or shrinking your monthly payment.
Compare My Options$10,000 Builder Incentive
Lower the Purchase Price
Potentially reduce the amount financed.
Reduce Upfront Costs
Potentially apply funds toward eligible closing costs.
Lower Your Payment
Potentially use available incentives toward a qualifying permanent rate buydown.
$20,000
F I R S T T I M E H O M E B U Y E R S
U P T O
I N A S S I S T A N C E
Eligible Utah first-time buyers purchasing qualifying new construction may have access to assistance toward down payment, closing costs, or a permanent rate buydown.
Qualifying purchase price up to $450,000.
Not Ready to Apply? Start Here.
Buying a Home Shouldn't Feel Complicated.
Step One
Am I Ready to Buy?
A clear, honest look at what readiness really means before you start touring homes.
View Guide →
Step Two
Which Mortgage Is Right for Me?
A plain-language look at the loan types Heritage buyers use most often.
Explore Loan Options →
Step Three
Understanding Your Credit
What lenders actually look at, and small steps that can make a real difference.
Learn About Credit →