How Long Does It Take to Buy a Home in Utah?
Buying a home in Utah is an exciting milestone—but it can also be a waiting game. From getting pre-approved to finally getting the keys, the process involves several steps that each take time. If you’re wondering how long to buy a home in Utah, the short answer is anywhere from 30 to 90 days once you’re under contract. However, the entire journey from initial search to move-in often spans three to six months for most buyers.
Here’s a realistic look at what each stage entails and how long you can expect it to take.
1. Getting Pre-Approved (1–2 Weeks)
Before you start house hunting, it’s smart to get pre-approved for a mortgage. This step gives you a clear idea of your budget and shows sellers you’re a serious buyer.
The pre-approval process typically takes a few days to a week, depending on how quickly you can provide financial documents like pay stubs, W-2s, and bank statements. If you need to improve your credit or save for a down payment, this phase can take longer.
Tip: Work with a local Utah lender familiar with regional programs and down payment assistance options. They can often speed things up. Not sure which lender to reach out to? We can help!
2. Home Search (2–8 Weeks)
The search phase is where timelines can vary most. In Utah’s competitive market, especially in high-demand areas like Salt Lake, Utah County, Wasatch County, and Davis County, homes can sell fast.
If you know what you’re looking for, you might find “the one” in a few weeks. But for most buyers, it takes one to two months to tour homes, compare options, and make an offer that sticks.
Factors that affect timing:
Availability of homes in your price range
Specific location preferences
Willingness to compromise on features or condition
Whether you’re competing in multiple-offer situations
3. Making an Offer and Getting Under Contract (1–2 Weeks)
Once you find the right home, your Mountain Valley Utah Real Estate agent will help you submit an offer. If your offer is accepted right away, this step can move quickly.
However, in a competitive Utah market, you might submit several offers before one is accepted. Once both parties sign the purchase agreement, you’re officially under contract, and the clock starts ticking toward closing.
4. Due Diligence and Inspections (1–2 Weeks)
Utah’s standard Real Estate Purchase Contract includes a “due diligence” period, usually about 7 to 14 days. During this time, you’ll schedule a home inspection, review disclosures, and negotiate any needed repairs or credits.
If the inspection reveals major issues, you can back out or renegotiate terms without losing your earnest money deposit (as long as it’s within the contract period).
5. Appraisal and Loan Approval (2–4 Weeks)
After inspections, your lender orders a home appraisal to confirm the property’s value matches the purchase price. Appraisals in Utah typically take one to three weeks, depending on demand and location.
Meanwhile, your lender finalizes your loan approval, reviewing documents and verifying employment. This can take two to four weeks, depending on your financial situation and the lender’s workload.
6. Closing on the Home (1 Week)
Once the loan is cleared to close, you’ll receive your closing disclosure at least three business days before signing final paperwork. The closing appointment itself usually takes about an hour.
After signing, the transaction is recorded with the county (which can take a few days), and you officially become a homeowner. Congratulations, you did it and are moving into your dream home!
Total Timeline to Buy a Home in Utah: 2–6 Months
Explore Available Homes with Mountain Valley Utah Realtors
Ready to start your search? Mountain Valley Utah Realtors can help you find the perfect home and guide you through every step of the process. Whether you’re a first-time buyer or relocating within Utah, our team knows the market inside and out. Explore available homes in Utah now and take the first step toward owning your dream home. With the right guidance, you can streamline the process and get those keys in hand faster than you might think.
