Loan Programs
Which Mortgage is Right for You?
There are a number of different types of home loans available to you,
and it can pay to familiarize yourself with them.
Luckily we’re here to help you choose the best type of home loan for your needs.
Mortgage Rate Options
Fixed Rate
The most common type of loan option, the traditional fixed-rate mortgage (Conventional Loan) includes monthly principal and interest payments with Mortgage insurance if you are putting down less the 20%.
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Adjustable ARM
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-i...
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Interest Only
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...
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Graduated Payments
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...
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Loan Program Options
FHA Loans
VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
USDA Loans
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
Jumbo Loans
A jumbo loan is a mortgage that is above the Maximum Loan Limit for Conventional Loan and can differ in certain areas. Conventional Loan limits in most areas in Utah is $766,550 as of 2024 and every year can and may go up.