Police · Fire · EMS · Dispatch
Home loans for Utah's first responders.
You hold the line for everyone else. Your home loan should be the easy part — clear numbers, real credits, and one person who answers the phone.
Who this is for
If you answer the call, this page is yours.
Police & Sheriff
Patrol, corrections, dispatch supervision, and civilian department staff.
Fire & Rescue
Career and volunteer firefighters, wildland crews, and fire district staff.
EMS & Medical
EMTs, paramedics, flight crews, and emergency department staff.
Dispatch & 911
The people answering the call, often overlooked by other programs.
Programs & credits
What's actually on the table.
Up to $3,000 Hero Rewards
A closing credit for eligible first responders buying or refinancing with Rate.
Down payment help
Utah Housing Corporation and local assistance programs may be available — we'll check what you qualify for.
Every loan type
Conventional, FHA, USDA, and VA (if you've also served) — we compare them side by side.
Shift-friendly process
Technology-driven underwriting and one direct contact, so the loan works around your schedule.
Program availability and credit amounts depend on your loan, eligibility, and location. We'll verify exactly what you qualify for before you make any decisions.
Common questions
Straight answers, no sales pitch.
First responder resources
Useful links, in one place.
Advice before application
Find out what you qualify for — before you commit to anything.
Credentials & disclosures
Dan Munford, NMLS #139374 · Licensed in UT, CO, OR, AR, WA & MT
Guaranteed Rate, Inc. d/b/a Rate · NMLS #2611
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or an interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Equal Housing Lender.
Savings amounts, closing credits, and program availability referenced on this page vary by applicant and scenario, are subject to credit and underwriting approval, and are not a commitment to lend.