FHA Mortgage Rates in Kearns, Utah. FHA Mortgage Requirements in Kearns Utah. Buying a home in Kearns, Utah? Then a Federal Housing Administration (FHA) Loan might just be the right choice for you. FHA Mortgage Requirements in Kearns Utah. If you: - look at your credit score and think you won't be approved to buy a home. - Worry about the hefty price of a down payment. - Think you probably can't even qualify for a home loan. - Are looking to buy your first home. Then an FHA (0 comments)