We offer a variety of loan options, including fixed-rate and adjustable-rate mortgages. If you're confused about which program to choose, let us guide you. Our qualified mortgage professionals offer easy-to-understand explanations of our programs. A mortgage loan officer is always just a call or an email away!
Great rates, superior local service, the convenience of online tools, and a full range of mortgage loan options are what you can expect from us.
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A First-Time Homebuyer loan offers 100% financing with no down-payment or private mortgage insurance. You may be eligible for a First-Time Homebuyer loan if you've never owned a home. You may also be eligible for a First-Time Homebuyer loan if you haven't been an owner in a primary residence for at least three years leading up to your purchase.
*The First-Time Homebuyer Program is available in VA, NC, UT, and TX.
The traditional 15-30 year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper.
An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan which is provided by a FHA-approved lender. FHA insured loans are a type of federal assistance and have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford.
Learn more about FHA loans in Utah today.
The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry). The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment.
Learn more about a VA loan in Utah today.
Hybrid ARMs (Adjustable Rate Mortgage) are increasingly popular—also called 5/1 or 5/5—they can offer the best of both worlds: lower interest rates (like ARMs) and a fixed payment for a longer period of time than most adjustable rate loans.
For example, a "5/1 loan" has a fixed monthly payment and interest for the first five years and then turns into a traditional adjustable-rate loan, based on then-current rates for the remaining 25 years. It's a good choice for people who expect to move (or refinance) before or shortly after the adjustment occurs.
Use our helpful tools, such as the Mortgage Loan Calculator, to guide your way through the mortgage process and find the right fit for your financial journey.
See current mortgage rates in Salt Lake City, different loan term options and more.
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The HMDA data about our residential mortgage lending are available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website.