Mortgage Loans

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  • Maintains original rate throughout its life.
  • Market fluctuations won't affect interest.
  • Ten-year, 15-year, 20-year, and 30-year fixed-rate mortgages.
  • Jumbo loans for homes costing more than $417,000.00.
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  • Interest rates are fixed for a period of three to 10 years, then adjust up or down depending on market conditions.
  • One-year ARM, 3/1-year ARM, and 5/1-year ARM options.
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  • FHA 15-year fixed, FHA 30-year fixed, VA 15-year fixed, VA 30-year fixed.
  • Utah Housing options.
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Mortgage Loans Rating


Home Rates

Mortgage Rates
Type Rate APR
10 Year Fixed 3% 3.145%
15 Year Fixed 3.375% 3.4756%
20 Year Fixed 4.125% 4.2051%
30 Year Fixed 4.375% 4.4337%
Rates Effective April 23, 2014

Payment Example

Home Equity Rates
Type F/V Term* APR*
No Closing Costs First Mortgage 50% LTV Variable 5 Yrs 2.49%
No Closing Costs First Mortgage 80% LTV Variable 5 Yrs 2.74%
No Closing Costs First Mortgage 50% LTV Variable 7 Yrs 2.75%
No Closing Costs Home Equity Line 50% LTV Variable N/A 2.99%
No Closing Costs First Mortgage 50% LTV Fixed 5 Yrs 2.99%
No Closing Costs First Mortgage 80% LTV Variable 7 Yrs 3%
No Closing Costs First Mortgage 50% LTV Variable 10 Yrs 3%
No Closing Costs Home Equity Line 80% LTV Variable N/A 3.24%
No Closing Costs First Mortgage 80% LTV Fixed 5 Yrs 3.24%
No Closing Costs First Mortgage 80% LTV Variable 10 Yrs 3.24%
No Closing Costs First Mortgage 50% LTV Fixed 7 Yrs 3.25%
No Closing Costs Home Equity Line 50% LTV Fixed 5 Yrs 3.49%
No Closing Costs First Mortgage 80% LTV Fixed 7 Yrs 3.5%
No Closing Costs First Mortgage 50% LTV Fixed 10 Yrs 3.5%
No Closing Costs Home Equity Line 80% LTV Fixed 5 Yrs 3.74%
No Closing Costs First Mortgage 80% LTV Fixed 10 Yrs 3.74%
No Closing Costs First Mortgage 80% LTV Variable 15 Yrs 3.99%
No Closing Costs Home Equity Loan 80% LTV Variable 5 Yrs 4.49%
65% Home Equity Non-Owner Variable 15 Yrs 4.49%
No Closing Costs Home Equity Loan 80% LTV Variable 10 Yrs 4.74%
No Closing Costs Home Equity Loan 80% LTV Fixed 5 Yrs 4.99%
65% Home Equity Non-Owner Fixed 10 Yrs 4.99%
No Closing Costs Home Equity Loan 80% LTV Fixed 10 Yrs 5.24%
No Closing Costs Home Equity Loan 80% LTV Variable 15 Yrs 5.99%
No Closing Costs First Mortgage 80%LTV/Balloon Fixed 20 Yrs 5.99%
No Closing Costs Home Equity Loan 80% LTV Balloon Fixed 20 Yrs 6.99%
Home Equity Loan 100% LTV Variable 15 Yrs 9%
Home Equity Loan 100% LTV Fixed 10 Yrs 9.5%
Home Equity Line 100% LTV Variable N/A 9.5%
Rates Effective April 07, 2014

Payment Example

*Maximum term and lowest rate shown.

Government Loan Rates
Type Rate APR
FHA 30-year 3.875% 4.697%
Utah Housing FHA 4.125% 5.0674%
Utah Housing Score Loan 4.5% 5.5523%
Utah Housing VA 4.125% 4.4031%
VA 30 year 3.875% 4.1186%
Rates Effective April 23, 2014

Payment Example

Specialty Loan Rates
Type Rate APR
Home Construction - Contractor Built 5.25% 11.5513%
Home Construction- Self Build 5.25% 12.6954%
Lot Loan- 10 Year ARM 6% 6.2653%
Lot Loan- 10 Year Fixed 7.25% 7.5194%
Lot Loan- 20/5YR ARM Balloon 6.5% 6.8003%
Lot Loan- 20/5YR Balloon Fixed 7.75% 8.0541%
Lot Loan- 30/5YR ARM Balloon 6.75% 7.0289%
Lot Loan- 30/5YR Balloon Fixed 8% 8.2953%
Rates Effective March 22, 2012

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