Current Utah Mortgage Rates
If you’re looking to buy a home or refinance, understanding Utah mortgage rates today is essential. Rates fluctuate daily based on national trends, inflation, and your personal financial profile. As of mid-2025, 30-year mortgage rates in Utah are around 6.75%, while 15-year mortgage rates average 6.1%.
Use a mortgage rate calculator to estimate your specific rate, or get a custom mortgage quote from local mortgage lenders in Utah.
Image Placement Note
“Utah homes with mortgage rate chart overlay”
Use a Mortgage Calculator to Plan Your Budget
Before you apply, try our mortgage calculator to calculate monthly payments. This tool factors in loan amount, term, rate, property taxes, and insurance. You can also explore a:
- Mortgage payment calculator
- Mortgage affordability calculator
- Refinance calculator
- Mortgage pre approval calculator
- VA loan calculator
Each of these tools can help you decide how much house you can afford.
Image Placement Note
“Visual of mortgage calculator inputs and monthly breakdown”
Types of Home Loans in Utah
Choosing the right loan helps you save money over time. Here’s a breakdown:
- Conventional Loans: Ideal for borrowers with strong credit.
- FHA Loans: Designed for first-time buyers with low down payments.
- VA Home Loans: Available to veterans and active-duty military. Try a VA loan calculator to estimate savings.
- USDA Loans: Zero-down options for rural and suburban homebuyers.
- Jumbo Loans: Used for high-value homes exceeding $726,200.
Be sure to compare home loan interest rates to find the best fit.
Image Placement Note
“Chart showing FHA vs VA vs conventional loan features”
Refinance Options to Lower Your Payments
Already a homeowner? Explore refinance home loan options:
- Lower your rate
- Shorten loan term
- Switch to a fixed rate
- Take cash out (see cash out refinance calculator)
Popular choices include:
- FHA Streamline refinance
- VA refinance (IRRRL)
- Cash out refinance
- Traditional refinance mortgage rates
Compare refinance rates from multiple mortgage lenders Utah to find the best offer.
Tap Your Equity With a Home Equity Loan
Looking for funds to renovate or pay off high-interest debt? Consider a home equity loan or home equity line of credit (HELOC). Tools like a home equity loan calculator and heloc rates checker can help you evaluate payment plans.
Compare home equity loan rates and read the terms carefully.
Get Pre-Approved & Shop With Confidence
A mortgage pre approval gives you a competitive edge when placing an offer on a home. Most lenders allow you to get pre approved for a mortgage online in minutes.
Also explore:
- Prequalify for home loan
- Get prequalified for a mortgage
- First time home buyer programs
Find the Best Mortgage Lenders in Utah
Whether you’re looking for the best mortgage companies or a mortgage broker near me, make sure they offer:
- Transparent interest rates today
- Fast pre-approvals
- Clear closing cost estimates
Search reviews, ask questions, and compare at least three offers to secure your best deal.
Sources and Other helpful Links
View Today’s Utah Mortgage Rates
https://www.mortgagerateutah.com/mortgage-rates
Compare National Mortgage Rates
https://www.bankrate.com/mortgages/mortgage-rates/
