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You Don’t Need 20% Down: Step -by-Step Guide for First-Time Home buyers. Breaking the 20% Down Payment Myth Thinking about buying your first home but worried about the 20% down payment? Great news—you don’t always need that much! In fact, some programs and grants allow you to buy a home with as little as 0% down. Here’s how you can make homeownership a reality, even if you’re short on savings.
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For over a decade, Coldwell Banker Realty agent Alicia Schwartz has redefined what it means to be a real estate professional in Salt Lake City and beyond. With over $100 million in career sales, she brings a signature blend of high-end aesthetics, strategic negotiation and boots-on-the-ground local knowledge that consistently positions her clients for success, whether they’re buying their first home, upgrading or selling at the top of the market.
Serving Salt Lake City & Beyond with Data-Driven Precision
Serving Salt Lake, Davis and Weber Counties, Alicia is known for pairing data-driven precision with warm, dependable service. Her clients trust her to deliver straight talk, smart strategy and standout results – all with a sense of humor and calm confidence. Backed by deep market insights and a collaborative approach, Alicia has become a go-to guide for those seeking not just a home, but a lifestyle that fits.
A Tailored Approach for Buyers & Sellers
For buyers, Alicia draws on her extensive network and community knowledge to connect clients with the right neighborhoods, local artisans, contractors and even the best coffee shops – helping each client feel at home from day one. Her reputation for getting the impossible done is well earned, and she handles each step of the process with care, discretion and clear communication.
Sellers can expect the same tailored approach. She begins with a thorough market analysis and a game plan designed to maximize value while minimizing stress. Every listing receives the full luxury treatment, from professional staging and cinematic videography to immersive virtual tours and robust social media marketing. Private showings and high-impact branding ensure clients’ properties are seen, experienced and remembered by the right buyers.
Recognized Excellence, Trusted Relationships
Honored for her contributions to the industry and community, Alicia has earned many accolades, including Salt Lake Board of REALTORS® Top 500, the Distinguished Service Award and more. Yet, her proudest accomplishment is the long list of repeat clients and referrals who return for her guidance time and time again.
For Alicia, real estate is about connection to places, people and possibility. And when she’s not helping clients navigate the Utah market, you’ll likely find her traveling the globe, always bringing fresh perspective back to the communities she serves. For a partner who values clarity, confidence and smart execution.


