Where you live

is an extension of who you are.

Our mission is to help take the ordinary living experience and make it extraordinary. That's why with each community that we build, we think about the individual people who will live there just as much as we think about quality, craftsmanship, and beautiful design.

Visit our communities in:

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Mortgage Calculator

Financing Your New Home

We'll help you determine a budget for your new Woodside home. This simple calculator will give you an estimate for what your monthly mortgage payment could be.

See what you can afford
Estimated Monthly Payment
HELPFUL HINTS FOR ESTIMATING YOUR MORTGAGE PAYMENT
Purchase Price

Determine a budget range for your home based on your savings and annual gross income. Don't forget to factor in things like upgrades, property taxes, closing costs, and homeowner's insurance.

Down Payment

How much cash can you put down on your home? The more you put down, the lower your mortgage payment will be. Remember: 20% is the standard for a conventional loan and 3.5% is the minimum for FHA loans.

Interest Rate

3.77% is the estimated interest rate based on current standards. However, this will be unique to each household based on your personal credit, loan type, down payment, and the economy.

Number of Years

A typical loan is based on a 30-year mortgage. Your mortgage length can be shortened or lengthened by the amount you put down on your home and how much you can afford for a monthly payment.

Look for the mortgage calculator on any of our community pages for convenient calculations as you search. And remember that we have established relationships with mortgage professionals and would be happy to refer you to someone that can answer any questions and provide you with professional guidance.

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Credit Restoration

Create a financial plan to help better your credit score

Unsure about your ability to qualify for a home loan? We'll help you start your research here.

1
Poor Credit

Pay your bills on time each month. Missing even one payment can lower your credit score.

Pay your balance down to between 30-50% of the total credit amount extended.

Never max out your credit and never go over your credit limit.

Premier Credit Consulting can help with collections, tax liens, or judgements.

2
No Credit History
You may be able to establish credit using the bills you are currently paying such as car insurance, cell phone, child care, utilities and/or rental history. We can help you demonstrate the ability to make payments on time.
3
Bankruptcy
Even if you've filed Chapter 13 or Chapter 7, you may be able to qualify for a new home loan as soon as 12 to 24 months after the discharge date of your bankruptcy. We can help you sort through the details and create a plan to help you re-establish credit.
4
Short Sale
If the hardship that resulted in your short sale has been worked through and your payments were current at the time, you may be eligible for a home loan today. If your payments were not current, you may qualify for a new home as soon as 36 months after the close date of your sale. Together, we can work through your unique situation.
5
Foreclosure
You may qualify for a new home loan as soon as 36 months after your foreclosure. Now is the time to plan for the future. Let us help.
6
Veteran Specific
You may be eligible for a VA loan 12-24 months from the record date of a short sale or 24 months from the record date of a foreclosure. We can help you find out what you can do to restore your credit.

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Mortgage Types

Homeownership Can Become a Reality for Anyone

We believe that with the right information, direction, and assistance, homeownership can become more than just a dream. We're here to help you explore all of the mortgage options that match your needs.

Conventional

Conventional loans are provided by private entities like banks, and are not guaranteed by the government. A standard conventional loan requires a down payment of 20%. These loans can offer either fixed or adjustable interest rates and have a variety of repayment terms available that can be tailored to meet individual needs. This type of loan typically has more outside costs because you can be responsible for things like mortgage insurance, appraisal fees, and origination fees.

Standard FHA

FHA stands for Federal Housing Administration, which is the government agency that insures this type of loan. These loans are offered only by FHA-approved lenders. If you don't qualify for a conventional mortgage, this could be a good option for you because this type of loan typically requires a lower down payment and has lesser lending standards when it comes to thinks like your credit score.

Fixed Rate

When you have a fixed rate mortgage, that means that your interest rate will remain the same throughout the term of the loan. So, you can count on your monthly payment to always be the same. This option offers you more security, but could end up being more expensive.

Adjustable Rate

An adjustable rate mortgage means that your interest rates can go up and down based on a broader index of interest rates. Interest rates for this type of loan will usually start out lower. So, this could be a good option if you only plan on living in your home for a short time. However, after your introductory period they can go up significantly over the term of the loan. When choosing this type of loan be sure to ask if there are limits on how your rates can fluctuate.

USDA

This type of loan is offered by the United States Department of Agriculture. To qualify for a USDA loan, you must be purchasing a home in an area with a population of less than 25,000. This loan does not require a down payment, so it is a great option for low and moderate-income households. But, be sure to ask about the maximum income restrictions as part of the qualification process.

VA

Available to individuals who have served or are currently serving in the U.S. armed forces. Households must meet eligibility requirements for this type of loan. But, it does not require a down payment nor a minimum credit score. VA loans are offered by approved lenders and guaranteed by the Veterans' Administration. Closing costs are regulated for the protection of the veteran. VA loans are also assumable with release of liability and there are no penalties for prepayment.

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Southern California
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Purchasing a new home is easier than you think.
Here's a step-by-step guide to achieving your dream.

Designing Your Home

We can help you customize your home's design options so that it feels all yours.
Style by
Design

Visit our Style By Design page to learn more about our unique approach to the design process.

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Building Your Home

We take care of the construction of your home, but you play an important part in the process. Here's how it all works.
1
Getting Started

The beauty of buying a Woodside Home is that you can customize design options so that your home will reflect your personality and style even on the day that you move in!

You'll start the process by meeting with your sales counselor and construction superintendent to review your floor plan and options.

2
Construction

Next, after your electrical, plumbing, heating and air-conditioning utilities are installed, you get to see your new home for the first time! Your superintendent will take you on a walkthrough and help you understand the layout before the drywall goes up.

3
Homeowner Orientation

Toward the end of the home-building process, you will have a homeowner orientation, also known as a final walkthrough. This is an opportunity for your superintendent to familiarize you with the many features and functions of your new home and check for any items that require attention.

4
Welcome Home

As soon as your home is completed and ready for occupancy, you will be asked to sign a package of mortgage and escrow documents. After signing, your loan will be funded, and your mortgage and title will be recorded with the county. Then, you will receive the keys to your new home and start living your dream.

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Moving Into Your New Home

Start Living Your Dream
Give Yourself Time

Moving is a huge endeavor, but we tend to forget about that little fact. Make sure you give yourself plenty of time to pack, unpack, and clean in order to reduce stress.

Pack Smart

Use clean garbage bags as garment bags so you can keep clothes on the hangers when you pack them, label and load your boxes by room, wrap your breakables, and don't forget to pack an overnight bag with essentials.

Decultter & Donate

Packing creates the perfect opportunity to streamline your household. Here's a great rule of thumb: if you haven't used something in a year, donate it!

Get Excited

Your move signifies an amazing new chapter in your life! Make sure you live in the happiness of the moment and take time to celebrate.

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Katie & Tamara
Northern California
Katie and Tamara are here to help you get in contact with the financing specialist in your area.
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Mason
Southern California
Mason is here to help you get in contact with the financing specialist in your area.
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Central California
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Nevada
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Utah
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Arizona
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Own vs Rent

Low prices and interest rates make homeownership a greater possibility for many today. Going from renting to owning can also result in other great advantages.

Compare benefits
1
Interest Tax Deduction

You can write off the interest you pay on your mortgage for a first or second home, which can be thousands of dollars.

2
Build Equity

As you pay off your mortgage you build personal equity. When you rent, you help build equity for the entity that owns the home you live in.

3
Express Personal Style

When you own a home, you are free to paint walls, hang curtains, and make any alterations that you want. When you rent, you need to adhere to the restrictions stated on your lease.

4
Pride

Becoming a homeowner is part of the American Dream and is a huge milestone that you should be proud of!

1
Upfront Cost

While a security deposit can be expensive, when you rent a home you do not have to pay a down payment, which is typically 20% of the price of your home.

2
Repairs

When you rent, your landlord will take care of the cost of repairs. When you own, these will be an out-of-pocket cost for you.

3
Housing Market

Home values will rise and fall over the years. When you rent, you are not in danger of losing equity if the market dips.

4
Relocation

Renting is a great option for people who are unsure of how long they will stay in one place. When you own you are tied to a mortgage, rather than a 12-month lease.

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Arizona
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or explore more benefits of a new home

New vs Used

Our mission is to make sure you're happy where you live. So, we're here to help you determine the option that will work best for you.

Compare benefits
1
Lower Maintenance

New materials and appliances are just that—new—which equals lower maintenance for you. They don't come with a previous owner's wear and tear, and are up to date with modern building standards. That means your house won't have electrical wiring that was made to be used with 50s-era appliances.

2
Smart + Green

New homes can be built with smart design and enhanced green technologies that create energy efficiency. This will help you save on utility bills. Visit our Better by Design page to find out what Green by Design features Woodside Homes offers in your area.

3
Blank Canvas

A new home is a blank canvas that is just waiting to take on your personal style. You can be involved in the design process and make customizations during the build. So, you get your ideal floor plan and features, not someone else's.

4
New Warranties

New home warranties can help protect your home and offer you peace of mind. Plus, you'll have a relationship with the original builder, who will stand behind the quality of your home.

1
Character

If you're looking for a home that has a one-of-a-kind design, a pre-owned home may be the right choice for you. Older homes tend to have a more lived-in feel and unique character, while new homes often feature contemporary designs that appeal to a wider range of personal styles.

2
Location

Well-established areas are usually already built out, so you may need to purchase an existing home to get into certain neighborhoods. New homes are typically built in up-and-coming areas where there is more land available.

3
Landscaping

Older homes can have mature trees and greenery that have been there for generations. With a new home, you get a hand in designing your own landscaping, which can take time to fully grow.

4
Time

Designing and building your perfect home is a process that can take time. If you would rather skip that step or need to move immediately, an existing home is a great option for you.

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Northern California
Katie and Tamara are here to help you get in contact with the home-finding specialist in your area.
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Southern California
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Central California
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Nevada
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Utah
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Arizona
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or explore more benefits of a new home

Discover Sustainable Design Features in Your Specific Region
Sustainable by
Design

From lowering your utility bills to preserving natural resources to enjoying cleaner air — these features will make your life more sustainable.

Sustainable Benefits
Select your region to see the sustainable benefits available in your desired location.
Energy Star-Certified Appliances
Energy Efficient Lighting
Low-E2 Vinyl Windows
Programmable Thermostat
Water Saving Fixtures
Low Voc Painting
Seer 14 HVAC
Energy Saving Plumbing
Radiant Barrier
Solar Energy Panels
Tankless Water Heater
Energy Star-Certified Appliances
Energy Efficient Lighting
Low-E2 Vinyl Windows
Programmable Thermostat
Water Saving Fixtures
Low Voc Painting
Seer 14 HVAC
Energy Saving Plumbing
Radiant Barrier
Solar Energy Panels
Tankless Water Heater
Energy Star-Certified Appliances
Energy Efficient Lighting
Low-E2 Vinyl Windows
Programmable Thermostat
Water Saving Fixtures
Low Voc Painting
Seer 14 HVAC
Energy Saving Plumbing
Radiant Barrier
Tankless Water Heater
Energy Star-Certified Appliances
Energy Efficient Lighting
Low-E2 Vinyl Windows
Programmable Thermostat
Water Saving Fixtures
Low Voc Painting
Seer 14 HVAC
Energy Saving Plumbing
Radiant Barrier
Solar Energy Panels
Tankless Water Heater
Energy Star-Certified Appliances
Energy Efficient Lighting
Low-E2 Vinyl Windows
Programmable Thermostat
Water Saving Fixtures
Low Voc Painting
Seer 14 HVAC
Energy Saving Plumbing
Energy Star-Certified Appliances
Energy Efficient Lighting
Low-E2 Vinyl Windows
Programmable Thermostat
Water Saving Fixtures
Low Voc Painting
Seer 14 HVAC
Energy Saving Plumbing
Radiant Barrier
Solar Energy Panels

I hope that was helpful!

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Want to know more?
John Doe
Empty
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Katie & Tamara
Northern California
Katie and Tamara are here to help you get in contact with the home-finding specialist in your area.
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Southern California
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Central California
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Nevada
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Utah
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Arizona
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or explore the rest of the Home Buying Process

WOODSIDE HOMES
460 West 50 North, Suite 200
Salt Lake City, UT 84101
801.869.3950
2015 Equal Housing Opportunity Logo
Woodside Homes' 30-year mission statement is "Value, Integrity, Quality and Service." As we maintain our mission, we also reserve the right to modify or change: floor plans, materials, features, prices and information without notice or obligation. All floor plans, elevations, dimensions, square footages, and maps are approximates and artist renderings and may not be to scale. See Sales Consultant for additional information.

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