Well the only way to get a law deemed illegal is to have the Supreme Court to declare it so.

Whether that be checking your local zoning codes or HOA declaration if there is one.

If photos aren't an option, a quick reinspect on 4 point will likely do the trick.If your county was declared a state of emergency ahead of the storm, the bank will likely follow up to tell you what they require.  

My income is on the lower side since I have declared smaller amounts since 2022.

way too early to make a declaration like this.

If you want to proceed, please gather these few documents, and email them over to me.Photo ID: Please provide a clear copy of your valid photo identification.Proof of Social Security Number: Documentation confirming your Social Security Number.Homeowner Insurance Declaration Page: Is the cover letter with your policy number and coverage amounts.

If you want to proceed, please gather these few documents, and email them over to me.Photo ID: Please provide a clear copy of your valid photo identification.Proof of Social Security Number: Documentation confirming your Social Security Number.Homeowner Insurance Declaration Page: Is the cover letter with your policy number and coverage amounts.

Is it legal for me to move to Utah and declare the UT property as my primary residence to have a 3% down payment?

Have you thoroughly read the recorded Declaration and Covenants for the parcel you are considering?

Manpower, muscle!