You’ve spent years building equity, creating a life you love and planning for the future. Now, it might be time for something simpler, whether that means less upkeep, more financial freedom or a space that fits the way you live now.
At Bank of Utah, our local mortgage team is here to help you take that next step with confidence. From selling your current home and buying something smaller, to using your equity for more flexibility in retirement, we’ll guide you through smart, stress-free options that make life easier.
With a Bank of Utah Mortgage, You Can:
Step Into What's Next with Confidence
Choose a mortgage solution that fits your goals, with options designed to keep things clear and manageable.
Use Your Equity with Purpose
Turn the value you’ve built into financial breathing room, home updates or plans for the years ahead.
Plan Ahead with Trusted Advice
Talk to local experts who listen to your goals and help you make informed, thoughtful decisions.
Take Advantage of Competitive Rates
Explore mortgage and equity options with rates that help you stay financially flexible — now and in the years ahead.
Apply in the Way That Works for You
Begin online or sit down with a local expert — we’ll make the process smooth and stress-free.
Use Tools to Explore What’s Possible
Run scenarios, estimate payments and get answers with calculators and helpful resources.
Explore Loan Options and Tools to Help You Move Forward
Purchase & Refinance Loans
Downsize, find a single-level home or move into a place that matches how you live now, with mortgage options that make it easy.
Construction & Lot Loans
Get streamlined construction financing to bring your next home to life — exactly the way you want it.
Home Equity Lines of Credit (HELOCs)
Use your home’s value to open a line of credit for improvements, planned expenses or financial breathing room in retirement.
Reverse Mortgages
Turn part of your home’s value into cash, without monthly payments and without giving up ownership of your home.
Other Mortgage Options to Consider
Understanding your full range of options — for both today and tomorrow — is a smart step in the homeownership journey. Click below to dive into each one and see how they might fit your plans.
Ready to Focus on What’s Next?
Simplifying your space doesn’t mean sacrificing your lifestyle. Whether you're planning now or ready to make a move, we’re here to help you take that next step with clarity, confidence and local support.
For added guidance, our blog offers helpful tips, checklists and insights to make the process even smoother.
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