Skip Navigation Website Accessibility
1st Rate Mortgage Logo

NHF Sapphire Grant

This program allows a grant of 3% or 4.5% and can be used for down payment and closing costs.  The NHF Sapphire Grant Program is designed to increase home ownership opportunities for low-to-moderate income individuals.

30-year Fixed Term with Full Amortization

  • FHA: 203(b); 203(b)(2); 203(h); 234(c); in accordance with FHA guidelines. Temporary buy-downs permitted, per limits and rules.
  • VA: in accordance with VA guidelines under 1810 and 181A. Temporary buy-downs permitted, per limits and rules.
  • USDA-RHS: in accordance with USDA guidelines. 2-1 or 1-1 Temporary buy-downs permitted, per limits and rules.

Borrower Must Meet The Following Requirements

  • Occupy the residence as their primary residence; non-occupant co-borrowers are not allowed.
  • Qualifying income cannot exceed NHF income limits for the county in which the property is located: 115% Area Median Income (AMI). Refer to
  • Minimum Credit Score of 620.
  • Meet all required FHA, VA, USDA-RHS underwriting criteria.




3478 W Chambery LN
Riverton, UT 84065




UT LIC# 5493357  |  CO LIC# 100051743  |  CA LIC # CA-DBO240452  |  WY LIC # 7448  |  ID LIC # MLO-2080240452
We are committed to making our website ADA compliant. Read our accessibility statement.