Home Financing & Mortgages
Made for Utah Living

Local loans for Utah homes from your neighborhood lending BFFs!

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Home Financing & Mortgages
Made for Utah Living

Local loans for Utah homes from your neighborhood lending BFFs!

So, you’ve found a home worthy of your next chapter, and you’re ready to buy. Love that for you! Now, it’s time to figure out the financing, because where you get your home loan matters (almost) as much as the number of bathrooms in your floor plan!

At Utah First, we make home mortgages and refinancing feel refreshingly easy, exciting, and personal, whether it’s your first or fourth time around the block. Our friendly lending pros bring serious Utah market know-how to guide you through every step, answer every question, and help you feel confident at closing.

With a Utah First home loan, you get:

  • Better-than-big-bank rates
  • Low, no-nonsense fees
  • Fast, local approvals
  • Friendly, face-to-face service

Not sure what you need?

No worries! We’ve got a loan for just about everyone and the know-how to help you figure out which one makes sense for you. Already got a quote from another lender? We love a good challenge. Let’s see if we can beat it!

FHA Loans 

FHA mortgages put a little “heck yes!” in home mortgages. Perfect for buyers with not-so-perfect credit, minimal savings, or big dreams on a modest budget. FHA loans offer low or no down payment, giftable closing costs, and flexible terms (fixed or ARM). Bonus: Rates are usually lower than conventional.

Conventional Loans 

Got good credit and a decent down payment? Conventional loans are your classic go-to. Great for traditional buyers who like structure, stability, and fewer strings. Choose fixed or adjustable terms, keep mortgage insurance low (or skip it entirely), and enjoy rates that reward your financial smarts. 

VA Loans

Whether you’re active duty, a veteran, or a qualifying spouse, this benefit-packed loan is built to honor your sacrifice and get you home faster with fewer hoops. VA loans offer 100% financing, no mortgage insurance, and typically lower rates and fees. Thank you for your service!

Jumbo Loans

When your dream home needs a little extra financing power to help you level up, jumbo loans cover what conventional loans can’t with competitive rates, flexible terms, and no mortgage insurance for loans over $806,501. Fixed or adjustable terms available. 

Investment Homes

Hello, passive income! Whether you’re going full landlord or just dipping your toe into the rental market, we’ve got the loan to back your big ideas. You bring 20% down and a game plan — we’ll bring competitive rates and flexible terms (fixed or ARM). 

Reverse Mortgages

Are you 62 or older? A reverse mortgage lets you turn your home equity into cash without giving up your house or adding monthly payments. Choose a steady income, a lump sum, or a combo. Repayment waits until you move out. Retirement just got a little more flexible and a lot more fun.

Construction & Lot Loans 

Diving headfirst into the construction of your dream home? Buying land today and building later? Either way, we’re here for it. Our lot loans help you snag the perfect property, and when you’re ready to build, our construction loans are standing by. From raw land to fully framed, we’ll help you every step of the way!

Home Equity Line of Credit 

Ready to fix the kitchen, finish the basement, or finally build a backyard deck? A HELOC lets you tap into your home’s equity with flexible funds to make it happen. Use what you need, when you need it, and pay interest only on what you use. Your house is basically spotting you!

Clean Slate Mortgages 

Life happens, and your past shouldn’t cancel out your dream of owning a home. Clean slate mortgages are here for the bounce-back — perfect for buyers rebuilding after bankruptcy, foreclosure, or a rough patch. We’ve got flexible terms, expert support, and zero judgment to help you start fresh. 

Variable Loans 

Rates on the rise? A variable loan gives you a sweet starting rate with the option to adjust later. Ideal for buyers who are self-employed, early in their career, or planning to move before the rate changes. Less commitment upfront — more flexibility built in!

Refinance Options

Love your home but not your loan? When you want to change your terms but not your address, home mortgage refinancing lets you lock in a better rate, change your terms, or free up cash.

Homebuying Assistance Programs

If your dream home feels out of reach, we’ll help you explore down payment and closing cost programs that give you a leg up. Our team knows the fine print — and how to make it work in your favor — so you can focus less on saving and stressing and more on moving!

USDA Loans

USDA loans are perfect for low- to moderate-income buyers in qualifying rural areas. You don’t have to be a farmer. Just be ready to put down roots outside the city and make your move with confidence (and no monthly mortgage insurance)! Zero down, solid rates, 100% financing, and a whole lot of opportunity. 

Let’s Find the Right Fit!

Not sure where to go from here? Don’t stress — our Utah mortgage pros love a good home loan chat. We’ll help you find the mortgage option that checks all the boxes so you can feel good about your next move! We can’t wait to walk, talk, and laugh you through the process.

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

Apply Now

 

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.