In Utah you can get 100% financing a few ways.VA - Need to be a VeteranUtah Housing -- There are some restrictions, but it is a decent programRural Housing -- Needs to be in a rural areaThere are different grants available in some counties that combined with FHA will get you 100% financing.
Is the property new construction? If so sometimes the last assessment will be on raw so the investor will estimate what the taxes will be on the completed home.
I have never heard of any temporary law that makes the MI 75% LTV (Should be 78%). Ask them to show you in writing how to remove your MI I believe they are required by law to at least show you what their policies are.
FHA Appraisal
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