15 Years
30 Years

Today's Mortgage Rates
When considering the best time to buy or refinance, as well as what you can afford, looking at current mortgage rates is a helpful starting point. Of course, the final rate you receive will be based on several factors, e.g., credit score, so your next step is to get a customized rate quote.

As you compare interest rates from different lenders, be aware that the final rate you receive may not be the rate listed. We encourage everyone to speak directly with an experienced mortgage loan consultant. A mortgage is no small matter. Make sure you ultimately choose a consultant who understands how market conditions affect mortgage rates and who is willing to give you expert advice based on your unique situation.

Loan Type
Conventional 15 Yr. Fixed3.125%3.314%
Conventional 30 Yr. Fixed3.750%3.857%
FHA 30 Yr. Fixed3.500%4.107%
Utah Housing 30 Yr. Fixed3.810%4.418%
Rates effective 02/05/2016 11:00 AM MST.

Also, keep in mind that mortgage rates are just one of many important factors to consider when selecting the right loan program.

Not seeing your ideal rate? Sign up for our FREE RateWatch Program and we'll notify you if your desired rate becomes available.

For a FREE customized rate quote, call us at 1-800-516-5559 or Meet with a Loan Officer Near You.


Rates shown are intended as market indicators only, are time-delayed and may change without notice. Rates, APRs and fees displayed assume excellent credit, a $250,500 loan amount (unless specified) for an owner-occupied, single-family residence in the state of Utah. Your actual APR and fees may vary depending on your credit history, loan amount, combined loan-to-value ratio and loan program.

The Conventional 15 Yr. Fixed at 3.125% (3.314% APR) with a 80% LTV would require 180 monthly payments of $1745.01. The Conventional 30 Yr. Fixed at 3.750% (3.857% APR) with a 80% would require 360 monthly payments of $1160.10. The monthly payment includes principal and interest payments only. Required monthly escrows for taxes and insurance are not included. If your down payment is less than 20% of the purchase price or appraised value, whichever is applicable, Private Mortgage Insurance may be required and will increase your monthly payment.

The FHA 30 Yr. Fixed at 3.500% (4.107% APR) with a 97% LTV would require 360 monthly payments of $1150.17. With a loan amount of $170,000, the Utah Housing 30 Yr. Fixed at 3.810% (4.418% APR) with a 97% LTV would require 360 monthly payments of $810.94. The FHA and Utah housing payments excludes any applicable FHA mortgage insurance premium which would increase your monthly payment.

You must first apply to be considered for a mortgage loan. This is not a commitment to lend.

For more information, contact us.