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Current

Utah

Mortgage Rates

FHA Loans

No FHA purchase rates currently available, check back tomorrow.

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Refinance - 30 Year Fixed

Rate5.45%

1W Change 0.00%

APR6.19%

1W Change 0.00%
Last Updated: 8/13/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate6.83%

1W Change 0.07%

APR6.83%

1W Change 0.08%

Refinance - 30 Year Fixed

Rate6.91%

1W Change 0.04%

APR6.91%

1W Change 0.04%
Last Updated: 8/13/2026

VA Loans

Purchase - 30 Year Fixed

Rate6.02%

1W Change 0.05%

APR6.36%

1W Change 0.04%

Refinance - 30 Year Fixed

Rate5.97%

1W Change 0.06%

APR6.31%

1W Change 0.06%
Last Updated: 8/13/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Fischer Mortgage Lending to receive a personalized rate for your specific situation.

  • Thank you Alex Fischer for making this experience as easy and beneficial as possible for my family & I. Buying a new home can be so stressful & you truly took so much weight off our shoulders & gave us the better option in all the categories. Thank you for being transparent & answering all… Ana Chavez - August 2, 2026
  • I am very grateful for Norman! As a realtor you choose a team that will make the process as smooth as possible. Norman did a great job taking care of my out of town buyer! I really appreciate his continued updates. We actually closed 11 days early and probably could have closed a full two… Traci Schroeder - May 20, 2026

Popular Utah Home Loans Which loan is right for YOU?

First Time Homebuyers Utah

FHA Home Loans Utah Utah

FHA home loans are popular among Utah first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans Utah

Conventional Home Loans Utah Utah

A conventional(fixed-rate mortgage) is a popular type of home financing in Utah because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages Utah

Jumbo Home Loans Utah Utah

A jumbo home loan is a mortgage used to finance Utah properties that are too expensive for a conventional conforming loan.

Jumbo Loans

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Utah? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Free Home Report

Get a property valuation, rent estimates, price history and market insights instantly!

What’s Actually Happening in Housing Right Now Utah August 7, 2026

What’s Actually Happening in Housing Right Now

If you've been watching the housing market from the sidelines, waiting for the "perfect moment" to make your move, I have news for you: that mythical perfect moment doesn't exist. But what we're seeing right now in August 2026 might be as close as it gets for many buyers who've been sitting on the fence.…

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What the Summer Market Means for Your Home Purchase Plans Utah July 31, 2026

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Fischer Mortgage Lending

995 N Norma Suite D
Ridgecrest, California 93555
(760) 793-7164
NMLS# 1937673

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