tracker tracker
Skip to main content

Mortgage and Home Loans

Apply Now Rates

UFirst is Proud to Be One of Utah's Top Mortgage Lenders

Make homeownership your reality!

Your home loan doesn't have to be complicated. As one of Utah's top credit union mortgage lenders, UFirst specializes in fast and affordable financing with a range of mortgages and home loans at competitive rates.

Buy to Refi

Don't Fixate on Rates! Buy now, save on a Refinance.

Don’t let mortgage rates discourage you from buying a home now. With UFirst Credit Union’s Buy to Refi Program, you can buy your dream home now and save $1,500 on a future refinance*. This program is only available for a limited time, so act now so you can secure your home and save big on a refi if rates drop!

  • Buy with confidence knowing you can refinance to a lower rate
  • Take advantage of the current housing prices
  • Avoid a more competitive housing market in the future
  • Receive $1,500 credit to refinance within the eligible time period

Search for Homes

*The Buy Now, Refinance Later promotion is valid on UFirst Mortgage first lien, purchase loans closed between 6/1/2024 and 12/31/2024. After 6 full payments, the borrower is eligible to refinance the purchase loan and receive a lender credit up to $1,500 towards application lender fees (underwriting, application, and processing fees.)  The UFirst Mortgage refinance must be closed within 12 months after closing on the first mortgage to qualify. Offer applies to conventional mortgages only and no-cash refinancing is permitted.  Refinance loan is subject to underwriting and collateral approval and must be a first mortgage or deed of trust. Only one refi per new loan, and is non-transferrable, subject to the terms herein, and valid on complete and closed loans only. By refinancing an existing loan, your total finance charges may be higher over the life of the loan. Not all borrowers will qualify. Loans are subject to approval and actual terms will depend on credit worthiness and equity position. For example, a $500,000 sales price approved at 97% of value would require a down payment of $15,000. The minimum payment for a $485,000 loan with a 7.00% Annual Percentage Rate (APR) and 30-year term is $3,226.72. This payment example does not include taxes or insurance. Your actual payment may be higher. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. Some fees may apply that can range from $10.00 to $8,000. Must qualify for membership and must have a valid SSN to join. Membership requires a $10 minimum deposit which must be maintained in a savings account. This promotion may not be combined with any other mortgage or real estate offers, discounts or promotions. Offer subject to change without prior notice. Other restrictions may apply. 


icon  Explore Mortgage Options

  Select options below to learn more about the home loan that’s right for you!

 

first time home buyer loan

First-Time Home Buyers
We can help with every step

home refinancing

Refinancing Your HomeLower your payments 

construction loans utah

Construction Loans
We can help finance your dream home

 

adjustable rate mortgage

Adjustable Rate Mortgages
Start off with a lower rate

condominium loans

Condominium Loans
A space of your own without all the upkeep

short term mortgage

Short Term Mortgages
Pay off your home quickly

 

home equity loan utah

Second Mortgage
Access the equity in your home

home equity loan utah

Home Equity Line of Credit
Get an extra line of credit

home equity loan utah

Jumbo Home Loans
High-dollar loans with low interest rates

 

FHA loan utah

FHA Loans
One of the most accessible loans

va loans in utah

VA Loans
Military veterans & active military members

reverse mortgage utah

Reverse Mortgage
Provides seniors useable cash


Contact a Mortgage Consultant

If you have questions about our mortgage products or would like a pro to help you determine the right loan for your unique needs, our team of mortgage consultants is here to help. UFirst mortgage consultants offer free consultations and can help you choose the right financing, secure a great rate, and ensure a smooth homebuying experience. Call us today to learn more about how we can help you own your dream home.

Contact a Mortgage Consultant 


Frequently Asked Questions

A home loan (aka, a home mortgage) is an agreed-upon sum of money loaned to a borrower from a bank or credit union. The borrower pays the loan back every month over a predetermined period which could be anywhere from 5, 15, 20, and 30 years. You can use your home loan to purchase a:

  • Single-family house
  • Apartment
  • Condo
  • Townhome
  • Many other home types

At the time of this writing, the average property price in Utah is over $380,000. This cost makes it difficult for most people to purchase a home outright. A home loan provides the financing required to buy a home and spread the cost across monthly installments.

UFirst offers the following benefits:

  • No down payment options
  • Low rates of interest
  • Fast application process
  • The opportunity to develop a relationship with a credit union, not a bank

When you contact UFirst, we'll connect you with a mortgage advisor who will:

  • Assess your financial circumstances
  • Make sure you can afford a home loan
  • Recommend the best mortgage products for you

Not all home loan and mortgage lenders in Utah do this.

UFirst streamlines the entire home loan process from start to finish. Whether you are looking for first time homeowner loans or looking for a construction loan, our friendly and experienced mortgage advisors provide you with guidance at every stage of your new journey. You can apply for a home loan in Utah by calling us, visiting a local branch, or making an application online.

 

Apply Now

 

Locations near you

Branches & ATMs