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Utah Fixed Mortgage Rates

img Utah Average img National High img National Low img
Loan Type Base Rate APY Points Base Rate APY Points Base Rate APY Points
4.875 5.125 2.000 6.500 6.500 0.000 3.875 4.125 2.125
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4.625 4.778 1.375 6.625 6.500 0.125 3.750 4.000 1.625
4.250 4.625 2.125 6.125 6.125 0.125 3.375 3.625 1.500
4.250 0.875 4.583 6.125 6.125 0.000 3.250 3.750 1.625

Utah Adjustable Mortgage Rates

img Utah Average img National High img National Low img
Loan Type Base Rate APY Points Base Rate APY Points Base Rate APY Points
4.625 4.143 N/A 4.750 4.188 0.125 3.750 3.813 3.250
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3.625 3.564 2.125 6.875 5.000 0.125 2.750 3.125 2.500
3.625 3.423 1.125 6.375 4.500 0.125 2.375 3.125 2.375
4.375 3.540 1.250 6.125 4.250 0.000 2.500 3.250 1.000
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Mortgage Rates at 4.25%*

  • $150,000 loan for under $867/month
  • $225,000 loan for under $1,301/month
  • $350,000 loan for under $2,023/month
 

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National vs Utah 10/1 ARM Mortgage Monthly Payments

Loan Amount img Utah Average img National High img National Low img  
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$771.21                      $782.47                      $694.67                     
$874.04                      $886.80                      $787.30                     
$2,107.97                      $2,138.75                      $1,898.77                     

National vs Utah 30-yr. fixed Mortgage Monthly Payments

Loan Amount img Utah Average img National High img National Low img  
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$771.21                      $960.47                      $694.67                     
$874.04                      $1,088.53                      $787.30                     
$2,107.97                      $2,625.27                      $1,898.77                     

National vs Utah 15-yr. fixed Mortgage Monthly Payments

Loan Amount img Utah Average img National High img National Low img  
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$1,128.42                      $1,275.94                      $1,054.00                     
$1,278.87                      $1,446.06                      $1,194.54                     
$3,084.34                      $3,487.56                      $2,880.94                     

National vs Utah 5/1 ARM Mortgage Monthly Payments

Loan Amount img Utah Average img National High img National Low img  
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$684.08                      $935.80                      $582.98                     
$775.29                      $1,060.58                      $660.71                     
$1,869.81                      $2,557.87                      $1,593.48                     

National vs Utah 3/1 ARM Mortgage Monthly Payments

Loan Amount img Utah Average img National High img National Low img  
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$748.93                      $911.42                      $592.68                     
$848.78                      $1,032.94                      $671.71                     
$2,047.07                      $2,491.20                      $1,620.00                     
Source: U.S. Department of Housing and Urban Development - Mar 31, 2009

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Average Rates

15-yr fixed*

4.25%

30-yr fixed*

4.625%

The Home Builders Association of Greater Salt Lake built a home in three days and donated it to Habitat for Humanity. The energy efficient house is 1200 square feet and has 3 bedrooms and 1 bath.

The home is not a typical Habitat for Humanity Home because it is built completely by professional builders as opposed to volunteers. Over 250 individuals contributed their time and skills to build this home. Fifteen other Habitat homes will be built at the Wolstenholme Home Project in Magna, Utah which is the first subdivision for Habitat for Humanity Homes. The homebuyer, Tracy Elkins is a single mother with three children. She is required to perform 200 hours of labor to build other homes in the project before she can move into her home.

HUD contributed $530,000 to purchase land and install the infrastructure for the Wolstenholme subdivision through HOME Funds through Salt Lake County.

Home Repairs: Utah

The programs and resources listed below help homeowners with home repairs and improvements.

  • Ogden- Home Owner Rehabilitation Loan
  • Orem - Housing Rehabilitation Program
  • Provo - Housing Rehabilitation Program
  • Salt Lake City - Housing Rehabilitation Programs
  • Salt Lake County - Revitalization and Housing Programs
  • West Valley City - Home Rehabilitation Loan
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*Mortgage Rate of 4.25% is for qualified borrowers for a 10-year fixed rate mortgage to refinance an owner-occupied, one-unit, single family dwelling for a loan of $165,000 to $417,000 ($165,000 to $625,500 in Alaska and Hawaii). If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states. Not available for all credit types. Not all service providers in our network offer this or other products with fixed rate options.

**This advertised rate is for qualified borrowers for to refinance an owner-occupied, one-unit, single family dwelling for a loan of $150,000, $225,000 or $350,000 with a interest only monthly payment of $867, $1301 or $2023. This is an interest only adjustable rate that is fixed for the first 12 months then is subject to increase no more than 1% every 6 months thereafter (until rate has caught up to fully indexed rate). To be eligible for this program borrower must meet applicable credit requirements, including a FICO score of at least 620. MortgageDebt.com is not acting as a lender or broker. The information provided by you to MortgageDebt.com is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states. Not available for all credit types.

Last Updated: September 03, 2010