Utah County Mortgages 90+ Days Late Hit 0.8%, Highest Since March 2016

0.8% of Utah County Loans Were 90+ Days Late. Know Your Cure Window

Utah County's share of mortgages at least 90 days past due, outside foreclosure, reached 0.8% in December 2025, in Consumer Financial Protection Bureau data published August 2026. No month since March 2016 had been as high.

In December 2024 the county sat at 0.5%, under Utah's 0.6%, and by December 2025 it had passed the state's 0.7%. It climbed from near its lowest level in the bureau's data. Utah County hit 0.1% in 2022. Back in December 2009, it was 4.1%. The U.S. stood at 0.9% in December 2025.

The bureau counts a loan in that share once it's 90 or more days past due and not in foreclosure, out of all outstanding mortgages. That generally means three or more missed payments.

If your loan is one of them and it's secured by a trust deed, the trustee can't sell your house under its power of sale until a notice of default is recorded with the Utah County Recorder and at least three months pass, under Utah Code 57-1-24. Only then can the trustee give notice of a sale.

Those same three months are your cure window. Utah Code 57-1-31 lets you pay everything then due under the trust deed, including the costs of enforcing it and the trustee's and attorney's fees actually incurred, and that cures the default. Principal that wouldn't be due without the default isn't part of it, and once you've paid, the loan is reinstated as if the full balance had never been called due.

So the first thing to settle is whether you can raise that amount, fees included, inside three months of the recording date. Get that figure in writing.

Count a Utah County Listing to Closing, Not to a Signed Contract

Utah County listings spent a median 64 days on the market in September 2026, in Realtor.com's numbers on the St. Louis Fed's FRED site. A year earlier, 59.

Most of the climb came earlier. September 2023: 45 days. September 2024: 60.

Realtor.com measures from the list date to the closing, pending or off-market date, depending on what data it has, so the count can end at a signed contract instead of a closed sale. And it's one county-wide median, not a forecast for your house.

We measure a listing from the day it goes up to the day it closes. We see a listing as a trade. You give it time, and it gives you a shot at a higher price.

In our view, a list price should come from what buyers are doing in Utah County now, not from a formula. We read showings with no offer as the market saying the price sits above the homes buyers bought instead.

If you list, settle two things up front: a price set against the homes buyers are choosing now, and whether a sale at that price can close in the time you have.

If Catching Up Is Out of Reach, Choose a Path and Help Pick the Date

When catching up the loan isn't in reach, the win is control: a closing date you help pick, on a path you chose.

Cash Flow Deals gives you the Fast Cash Offer and the Premium Cash Offer together, and you choose. With the Fast Cash Offer, we buy your house as-is at our number and close. With the Premium Cash Offer, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you.

We cover repair costs, and we figure out a way, so nothing comes out of your pocket. With Premium, only what your buyer's lender requires gets fixed, with costs settled from the sale proceeds from our share. With Fast Cash, you sell as-is without making repairs.

For either offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens.

Your written terms explain how each Cash Flow Deals offer works:

1. Inspection period: review the 15 business days stated in your agreement before signing.

2. Closing: on a date you help pick, 45 days or less.

3. Fast Cash Offer and Premium Cash Offer: compare both in writing. For Fast Cash, our team makes one walk-through, gives you our as-is number in writing, then buys your house and closes.

4. Premium: you sign with us at a number you agree to and give us permission to bring in a buyer in our place. Review the stated 15 business days of inspection in your agreement. Buyer visits are scheduled with you ahead of time and take 10 to 15 minutes. Your pre-approved FHA or conventional buyer signs a new contract directly with you. Title goes straight from you to that buyer, their lender funds the purchase, and we're paid as a separate line on the closing statement.

5. Financing: review your buyer's financing terms before signing.

6. Costs: neither offer requires you to pay Cash Flow Deals a commission.

7. Closing proceeds: anything owed against your house is settled from the sale proceeds first. You then receive your agreed amount, subject to the structural exception described above, and we're paid last from what is left. On Premium, repair and closing costs come from our share.

If your Premium buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number. Compare the Fast Cash Offer and the Premium Cash Offer on paper with any other offer before you sign anything.