Financing and Mortgages
for Your Home

Utah home, Utah loan: We're your local home lender.

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Financing and Mortgages
for Your Home

Utah home, Utah loan: We're your local home lender.

Buying a home is a big deal. You put plenty of thought into location, square footage, and floorplan, but where you decide to get your home loan is just as important. A Utah First home loan or refinance gives you a personal relationship and face-to-face access to knowledgeable, local lending experts with a unique understanding of the Utah housing market. And, because we’re a local credit union, you’ll get unbeatable home loan service throughout the life of your loan from a friendly, neighborhood lender.

With a Utah First loan, you get:

  • Competitive credit union interest rates
  • Minimal fees
  • Quick processing and approval
  • Local loan service

Not sure what you need?

We have a loan for every type of borrower—and the expertise to help you decide what’s best. We can help you even if you already have a loan estimate from another lender.

  • Mortgage Loans for traditional buyers looking to buy or refinance a home.
  • FHA/VA Loans for first-time home buyers who may not have a large down payment.
  • Variable Loans for buyers in a market where interest rates are increasing. A great option if you are self-employed or haven’t had a job for very long.
  • Lot Loans for buyers in a variety of purchase scenarios.
  • Construction Loans for those building and financing construction of a new home.
  • Clean Slate Mortgages to help those with credit challenges—including bankruptcy or short sale.
  • Home Equity Line of Credit to fund home improvement projects.

Let our local mortgage experts help you get started right away.

Apply Now

 

Home Mortgages Rates as of 12/20/2024

TypeProductTermRateAPR*
FixedConventional30 Years6.750%6.898%
FixedConventional15 Years5.750%5.985%
FixedConventional10 Years5.500%5.832%
Variable5/1 Adjustable30 Years6.250%6.394%
FixedFHA30 Years5.875%6.178%
FixedFHA15 Years5.250%5.750%
FixedVA30 Years5.875%6.217%
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Loan Calculator

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APR = Annual Percentage Rate. All rates subject to change without notice.

*The rate we are providing is the lowest Annual Percentage Rate (APR) available to most qualified members. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the rate and payment amount disclosed.

Rates based on credit history, collateral criteria, term of loan, and other criteria. Loans subject to all Credit Union policies and procedures. All loans and lines of credit require a separate application and credit approval. Terms and conditions are subject to change. Other restrictions may apply.

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Or over the phone at 800-234-0729.

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By clicking on "I agree", you authorize us to verify the information you submitted and to obtain credit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.*
By clicking on "I agree", you authorize us to verify the information you submitted and to obtain credit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.