First Mortgages
Whether you're buying, building, or refinancing, we make the loan process easy. Our experienced loan professionals have been serving Salt Lake County and the surrounding communities for years—they know the real estate market and can help you through the home buying process every step of the way. Our extensive knowledge, combined with our competitive rates and flexible financing options, can make buying or refinancing your home a snap!
Start the application process, it's easy.
Click here to access our interactive application through our partner Fannie Mae, that you can fill out on your computer, print and bring into any branch location.
Click here and answer a couple of preliminary questions online about you and what loan you are looking for. A mortgage loan specialist will contact you shortly after you submit this questionnaire.
Or simply call our real estate department at (801) 481-8840
- Summary
- Borrow up to 95% of Loan to Value (LTV)
- Low fixed rates, closing costs
- Fixed-term mortgages available
- 15, 20 and 30 year terms
- Local decision making and processing
- Pre-approval available
- Affordable payments
- NO-FEE loans available for short-term mortgages
- Knowledgeable loan professionals
- Free 24-hour online banking
- Free voice and mobile phone banking
Determine what kind of house you can afford with our Mortgage Loan Calculator.
How much will I save by increasing my mortgage payment?
- First-time Homebuyer
We offer special loans for potential homeowners applying for their first mortgage.
- Borrow up to 97% of Loan to Value (LTV)
- Low fixed interest rate for entire term
- Terms up to 30 years
- Low closing costs
- Monthly payment will not change
- Seller may pay up to 3% towards closing costs
- Easy and fast pre-approval
Grants and tax credits for first-time homebuyers may also be available. Check with your accountant for more details.
How to Qualify:
To qualify for a First–time Homebuyer loan, the following basic requirements must be met:
- You cannot have owned a home in the last three (3) years
- Your FICO credit score must be 700 or more
- Maximum loan request cannot exceed $417,000
- Home being purchased must be occupied by applicant
- Home must be single-family residence or townhome (condos OK with maximum loan of 90% of value)
- Other Mortgages
10-10-10 Loans
Fixed rate loan for 10 years with a rate reset based on treasury bill at the 10 and 20 years marks.
- Cash out up to 90% loan to value
- Allows entry level homeownership without mortgage insurance
- Lower credit scores
- Alternate income verification possible
- Single family residence only
- 30 year amortization
Condominium Loans
We have special financing available for condominium loans.
- Borrow up to 90% of Loan to Value (LTV)
- 15, 20 and 30-year terms
Second-home Loans
Need to finance that second home away from home? We're here to help.
- Borrow up to 95% of Loan to Value (LTV)
- 15, 20 and 30-year terms
Construction Loans
We have loans available for new home construction.
- Low variable rates and fixed rates
- Flexible terms up to 9 months
