Preferred Mortgage Lenders
Financing made simple — and rewarding.
Use one of our preferred lenders and Candlelight will cover up to $10,000 of your allowable closing costs. They know our process, so yours stays smooth from approval to keys.
Buying your first home?
You may be closer than you think.
Financing a new home doesn’t have to be intimidating. Between our closing-cost contribution and Utah’s first-time buyer assistance, many buyers get into a brand-new Candlelight home for far less out of pocket than they expected.
And because we carry the construction financing while we build, you only ever close on one mortgage. Start with a preferred lender and let’s find out what you qualify for.
up to, toward closing costs on single-family homes
up to, toward closing costs on townhomes
Utah Housing first-time buyer assistance
interest on Utah Housing assistance loans
Closing-cost contributions require financing with a Candlelight preferred lender. Utah Housing assistance is a 0% interest loan with no required payments, repaid upon sale or refinance, for qualified first-time buyers on newly built homes priced $450,000 or less.
Meet our partners
Three preferred lenders, one smooth close.
Each of these lenders knows Candlelight’s process and stands ready to get you approved. Choose whoever fits you best.
Northpointe Bank
Upfront, fully underwritten approvals from a lender who knows our build timeline inside and out — so you shop with confidence and close without surprises.
Get approved →First Colony Mortgage
Local Utah expertise and personal service from start to close, including Spanish-language support for buyers who want it.
Get approved →Guild Mortgage
A streamlined, low-stress process built to keep your financing in lockstep with your construction schedule.
Get approved →Why use a preferred lender
The smoothest path to your keys.
They know our timeline
Our preferred lenders build dozens of Candlelight loans a year. They understand exactly when your home closes, so your financing and your construction stay in step.
Underwritten up front
Get a fully underwritten approval before you place a deposit — not just a quick pre-qual. You'll know what you qualify for before you commit.
One point of contact
Your lender talks directly with our team, so nothing falls through the cracks. Fewer hand-offs, fewer surprises, less stress.
Real savings
Financing with a preferred lender unlocks up to $10,000 toward your closing costs — money that stays in your pocket on move-in day.
How pre-approval works
Four steps to a confident yes.
Apply & get pre-approved
Reach out to one of our three preferred lenders. They'll review your income, credit, and goals and get you a fully underwritten approval — not just a guess.
Know your number
You'll learn exactly what you qualify for and what your monthly payment looks like, so you can shop floor plans and lots with total confidence.
Lock in your incentives
Your lender confirms the closing-cost contribution and walks you through Utah Housing assistance if you qualify as a first-time buyer.
Close once, move in
Because Candlelight carries the construction financing, you sign a single mortgage when your home is finished. No construction loan, no double paperwork.
From a Candlelight homeowner
“The preferred lender handled everything with our builder directly. We got our approval up front, used the closing-cost help, and it took a huge weight off our first home purchase.”
A Firefly Homeowner
Let’s find out what you qualify for.
Our team and our preferred lenders will walk you through your options — no pressure, no obligation.