Do I need 20 percent down to buy in Cache Valley or Box Elder County?

No. Many of the smaller communities Katrina serves qualify for USDA loans with 0 percent down. Conventional loans allow as little as 3 percent down and FHA requires 3.5 percent.

Featured Agent: Katrina Gerrard - Caleb Adams Mortgage

Q: Who is Katrina Gerrard?

Katrina Gerrard is a REALTOR licensed in both Utah and Idaho with Brix Real Estate, serving Cache Valley, Box Elder County, and Weber County since 2017.

FEATURED AGENT

Katrina Gerrard

REALTOR®, Brix Real Estate | Cache Valley & Northern Utah

A high-volume, bilingual agent who has closed more than 30 sales in under two years across Cache Valley, Box Elder County, and Weber County, and brings a builder’s eye to every deal from hands-on experience building and selling spec homes.

Follow @katrinagerrardrealestate (435) 265-8165

Built for a Fast-Moving Market

Katrina Gerrard has been a REALTOR® with Brix Real Estate since 2017, working the corridor that runs from Cache Valley through Box Elder County and into Weber County: Logan, Providence, Smithfield, and Hyde Park, Brigham City, Tremonton, Garland, and Mendon, plus Ogden. She is also licensed in Idaho, so a move across the state line into southeast Idaho is not a problem, and she speaks Spanish, which lets her serve clients other agents in the valley simply can’t.

What sets her apart is hands-on building experience. Katrina has built and sold spec homes herself, which gives her a contractor’s read on construction quality, realistic timelines, and what is actually worth fixing before a home hits the market, insight most listing agents can only guess at.

She is also unusually active. With more than 30 closings in under two years split between buyers and sellers, she stays sharp on where pricing, days-on-market, and buyer behavior are shifting week to week, not just what the last comp says.

Hear Katrina Tell It Herself

Katrina joined me on the podcast to talk about building and selling spec homes, why she often tells sellers to wait instead of jumping on the first offer, and where she sees the northern Utah market headed next.

KATRINA’S TAKE

Don’t grab the first offer just because it’s first, wait for the right one. Staying active on both sides of a deal is what keeps her instincts sharp in a market that shifts week to week.

What Katrina Does Best

Builder’s Eye for Value

Hands-on experience building and selling spec homes gives her a contractor’s read on condition, cost, and real resale value.

High-Volume Market Pulse

30+ closings in under two years keeps her current on pricing, days-on-market, and buyer behavior in real time.

Bilingual, Cross-Border Reach

Fluent in Spanish and licensed in Utah and Idaho, she serves a wider range of buyers and sellers than most agents in the valley.

Working With Katrina? Be Ready to Move

Cache Valley, Box Elder County, and the Ogden market all move fast for the right buyers. Coming in preapproved means your offer gets taken seriously from the first showing, and Katrina will tell you the same thing.

Connect with Katrina

Tour homes or talk through your search.

Get Preapproved

Five questions, real numbers, same-day answers.

Close With Confidence

Clear timelines, no surprises, keys in hand.

See What You Qualify For →

Contact Katrina Gerrard
Instagram: @katrinagerrardrealestate
Listings: Katrina’s active listings
Office: Brix Real Estate, 150 East 200 North, Suite O, Logan, UT 84321
Phone: (435) 265-8165

Frequently Asked Questions

Who is Katrina Gerrard?

Katrina Gerrard is a REALTOR® with Brix Real Estate, licensed in both Utah and Idaho, serving Cache Valley, Box Elder County, and Weber County since 2017. She is bilingual in Spanish. Follow her at @katrinagerrardrealestate or browse her current listings.

What areas does Katrina serve?

Logan, Providence, Smithfield, and Hyde Park in Cache Valley; Brigham City, Tremonton, Garland, and Mendon in Box Elder County; and Ogden and West Haven in Weber County, with occasional listings across the Idaho state line.

Do I need 20% down to buy in Cache Valley or Box Elder County?

No. Many of the smaller communities Katrina serves, including Tremonton, Garland, and parts of Cache Valley, qualify for USDA loans with 0% down. Conventional loans allow as little as 3% down and FHA requires 3.5%.

I’m self-employed or buying a rental. Can I still qualify?

Yes. Self-employed and DSCR loans let you qualify using bank statements or the property’s rental income instead of standard tax-return underwriting.

I’m building or buying a newly built spec home. Does financing work differently?

Not usually. Once a spec home is complete with a certificate of occupancy, financing it is standard conventional, FHA, or VA underwriting, just like any resale. If you are buying under contract before the home is finished, we can time your preapproval and rate lock around the builder’s completion schedule.