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Mortgage and Home Loans

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UFirst is Proud to Be One of Utah's Top Mortgage Lenders 

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Credit Union Home Loans In Utah

Your home loan doesn't have to be complicated. As one of Utah's top credit union mortgage lenders, UFirst specializes in fast and affordable financing with a range of mortgages and home loans at competitive rates.

Types of home loans offered

We'll Make You Feel Right At Home

As a credit union, all of our home loans have fair and transparent rates and terms, with no hidden fees or unpleasant surprises. We've helped Utah communities finance their homes since 1956 and, by focusing on the goals of each individual homebuyer, we've helped countless Utahns to feel right at home in their very own home.

UFirst always offers the most competitive possible interest rates, and some loans are available with no money down. This enables all types of buyers to feel confident in their home and in their mortgage loan.

icon  Explore Financing Options

  Choose a Mortgage or Home Loan Below


first time home buyer loan

First Time Home Buyers
We can help with every step

home refinancing

Refinancing your homeLower your payments 

construction loans utah

Construction Loans
We can help finance your dream home


adjustable rate mortgage

Adjustable Rate Mortgages
Start off with a lower rate

condominium loans

Condominium Loans
A space of your own without all the upkeep

short term mortgage

Short Term Mortgages
Pay off your home quickly


home equity loan utah

Second Mortgage
Access the equity in your home

home equity loan utah

Home Equity Line of Credit
Get an extra line of credit

home equity loan utah

Jumbo Home Loans
High-dollar loans with low interest rates


FHA loan utah

FHA Loans
One of the most accessible loans

va loans in utah

VA Loans
Military veterans & active military members

reverse mortgage utah

Reverse Mortgage
Provides seniors useable cash

Contact a Mortgage Consultant

If you have questions about our mortgage products or would like a pro to help you determine the right loan for your unique needs, our team of mortgage consultants is here to help. UFirst mortgage consultants offer free consultations and can help you choose the right financing, secure a great rate, and ensure a smooth homebuying experience. Call us today to learn more about how we can help you own your dream home.

Contact a Mortgage consultant or call 801-481-8840

Frequently Asked Questions

Utah Home Loans


What is a Home Loan?

A home loan (aka, a home mortgage) is an agreed-upon sum of money loaned to a borrower from a bank or credit union. The borrower pays the loan back every month over a predetermined period which could be anywhere from 5, 15, 20, and 30 years. You can use your home loan to purchase a:

  • Single-family house
  • Apartment
  • Condo
  • Townhome
  • Many other home types

Getting A Home Loan in Utah?

At the time of this writing, the average property price in Utah is over $380,000. This cost makes it difficult for most people to purchase a home outright. A home loan provides the financing required to buy a home and spread the cost across monthly installments.

What are the Advantages of a UFirst Home Loan?

UFirst offers the following benefits:

  • No down payment options
  • Low rates of interest
  • Fast application process
  • The opportunity to develop a relationship with a credit union, not a bank

How Do Utah Home Loans Work?

When you contact UFirst, we'll connect you with a mortgage advisor who will:

  • Assess your financial circumstances
  • Make sure you can afford a home loan
  • Recommend the best mortgage products for you

Not all home loan and mortgage lenders in Utah do this.

Is It Easy to Apply for a Mortgage?  

UFirst streamlines the entire home loan process from start to finish. Whether you are looking for first time homeowner loans or looking for a construction loan, our friendly and experienced mortgage advisors provide you with guidance at every stage of your new journey. You can apply for a home loan in Utah by calling us, visiting a local branch, or making an application online.

Want to Apply for a UFirst Home Loan?

With our wide range of home loans, we can find you the perfect financing for your circumstances. Our affordable, fair, and transparent interest rates provide you with value, and our home loan specialists offer unparalleled customer service. Call us at 801-481-8840 to get started now or apply online today.

Apply for a UFirst Home Loan

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