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.
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 access to knowledgeable, local lending experts with a unique understanding of the Utah housing market. And, you’ll get unbeatable local home loan service throughout the life of your loan from a friendly, neighborhood lender.
We have home loan options to meet every need:
Your Utah home deserves a Utah loan. And there’s no better neighbor than Utah First. Make the move to Utah First today for a fast, affordable, locally serviced home loan.
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.
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.
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.
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.