Interest rates are near historic lows, making now the time to buy or refinance your existing home. Locking in at a low fixed rate could save you thousands, freeing up cash to pay down other debt or apply towards savings. Our experienced loan officers will guide you through the paperwork, help you understand the process and provide a quick turnaround.
We offer a variety of mortgage loans for first-time mortgages or refinances to fit your specific needs, including:
- Fixed-Rate Mortgage:
Mortgage interest rate does not change throughout the life of the loan. When market rates go up or down, your interest rate will stay the same. This type of mortgage may be good for people who plan to stay in their home long term.
- Adjustable-Rate Mortgage:
Mortgage interest rate changes with the market rates. Your Annual Percentage Rate ("APR") may increase after the loan is closed based on market conditions. This loan may be more cost effective if you don't plan on being in your home for very long.
- FHA / VA Mortgage:
Federal Housing Administration (FHA) or Department of Veterans Affairs (VA) loans are federally insured mortgage loans that allow people to get into a home with little or no down payment. There are limits to how much you can borrow. These loans give you more flexibility and leniency if you experience a financial hardship.
- Utah Housing Mortgage:
A mortgage loan in partnership with the state of Utah to help low-income families get into a home. These loans tend to have a lower interest rate and down payment. You must meet requirements outlined by the Utah Housing Corporation.
- Jumbo Mortgage:
Mortgage loan that allows you to borrow larger amounts of money. This loan is above $417,000. Because it is a higher-risk loan, your interest rate may be higher.
- Investment / Second Home Mortgage:
A mortgage loan for any house that is not your primary residence. This type of loan may have a higher interest rate and additional requirements to qualify.
Let us help you get started, or find answers to your questions. Submit your application online or contact us to learn more. For more information on our personal mortgage loans, please call our mortgage office at 435-753-1800, call toll free at 800-233-6510 or visit one of our branch locations.
Mortgage Loan Originator NMLS List
* Subject to credit approval.