All Utah First branches will be closed on Monday, February 20th in observance of Presidents' Day.
Loan Calculator
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Conventional Mortgages
Type
Product
Term
APR
Fixed
Conventional
10 Years
3.713%
Fixed
Conventional
15 Years
3.772%
Fixed
Conventional
30 Years
4.209%
Variable
5/1 Adjustable
30 Years
3.832%
FHA Mortgages
Type
Product
Term
APR
Fixed
FHA
30 Years
3.850%
Fixed
FHA
15 Years
3.904%
VA Mortgages
Type
Product
Term
APR
Fixed
VA
30 Years
3.882%
Effective as of 02/17/2017

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.

Roll Out the Welcome Mat - Your Home Loan Just Got Easier.

There’s no better neighbor than Utah First. Our Mortgage Specialists help you find the best loan for your purchase, refinance, or upgrade. We do the heavy lifting so you have peace of mind and more time to pick out paint samples. We have home loan options to meet every need, including:

  • Mortgage Loans
  • FHA Loans
  • Real Estate Loans
  • Variable Loans
  • Construction Loans
Is a Refinance Right for You?

A refinance may save you thousands more than your current mortgage rate. Talk to our Mortgage Specialists for free advice about whether refinancing should be your next step.

Free Competitive Analysis: No Fuss, Just Trust

Our Mortgage Specialists explain the costs involved in each type of loan so you know what to expect and what all that fine print means. They can also help you avoid those unnecessary “junk” fees. See us for a competitive analysis – we can help you even if you already have a good faith estimate. Just give us a call at 800-234-0729.

 

Construction Loans

Building a new house? Utah First can help every step of the way with real estate loans, residential construction loans, and a mortgage for when that house becomes your home. We also offer Home Equity Lines of Credit to fund home improvement construction on your existing home.

 

 

Clean Slate Mortgages

If you think you have bad credit or you can’t buy a home, think again! Our Clean Slate Mortgage program helps buyers who may not qualify for conventional financing. With a down payment or existing equity, you may qualify for a loan of up to $417,000. Learn more here.

Our Clean Slate Mortgages can help you with:

  • Fannie/Freddie wait restrictions
  • Short sale
  • Bankruptcy
  • Short job tenure
  • Self-employment
Make Your Move.

Your Home Sweet Home is closer than you think. Get started the right way: choose a loan that gives you the foundation you need. We're here to help - as long as you invite us to the housewarming party.

Apply Online
Corporate
200 E South Temple
Salt Lake City, Utah 84111
800-234-0729
Monday - Friday: 9:00 am - 5:30 pm
View In Google Maps
Routing & Transit Number: 324079500

Utah First Federal Credit Union is federally insured
by the National Credit Union Administration.