Today's Fixed Rate5.3%5.6% APR Fixed Mortgage

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Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
Piggy bank Save money
Lower cost Lower Payments

Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
House Become mortgage-free quickly
Lower interest Pay less interest

Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

Why should I cash out?
Paint roller Renovations
Credit card hazard Pay for other debts or emergencies

Utah Mortgage Rates

With stunning natural beauty, low crime rates, and a straightforward tax policy, it’s no surprise that many people view the state of Utah as an ideal relocation destination.

However, if you are thinking about picking up and moving to The Beehive State, the most important question on your mind should be whether the local interest rates and home values will make the move worthwhile.

Common Utah Loan Types:

  • Utah conventional mortgages: Utah mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on FreeRateUpdate.com to find the option that's right for you.
  • Utah FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in Utah on FreeRateUpdate.com today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
  • Utah VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in Utah through FreeRateUpdate.com. VA loans require no down payment and typically have lower interest rates than conventional mortgages.

Utah Mortgage Rates Compared to National Averages

Whether you are looking for a 30-year fixed rate mortgage, a 15-year fixed rate mortgage, or one of the many adjustable rate mortgages available today, you can expect the rates for all of those products to fall right in line with the national averages. Current Utah residents looking to refinance will also find rates that tend to come within one or two basis points of the national averages.