Buying a New Home

Life moves pretty fast. You could be upsizing for a growing family or downsizing as an empty nester. Whatever your needs, the experts at Bank of Utah are here to provide specialized home financing assistance to you and your family. Contact one of our loan officers directly or call us at 801.285.5000

Some Available Options

Fixed-Rate Mortgage

A fixed-rate mortgage offers a straightforward monthly payment. With a fixed-rate mortgage, your interest rate—and your total monthly payment of principal and interest—will stay the same for the entire term of the loan. That predictability makes it easier to set your budget.

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FHA

With higher maximum loan amounts, lower down payments required, and flexible credit and income guidelines - an FHA mortgage may be the perfect home purchase loan for you. Both fixed and adjustable rates are available.

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VA

Flexible credit guidelines, great rates and the ability to borrower up to 100% of the value of a home makes the VA loan one of the best mortgages on the market. Bank of Utah is proud to help veterans take advantage of this great benefit.

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Utah Housing

Utah Housing loans allow an eligible borrower, to borrower their down payment and closing costs. Borrowers are able to purchase a home with little or no cash investment at a competitive interest rate.

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Rural Housing

Rural Housing loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.

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Adjustible Rate

If having the lowest possible monthly payment is your goal then you may want to explore Adjustable Rate Mortgages. Find out details about how adjustable rate mortgages work, and how to decide when this option is right for you.

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Interest Only

An innovative loan that offers the ultimate flexibility. Choose either the fixed rate or the adjustable rate program and pay interest only for the first 10 years, with the flexibility to make principal payments whenever you choose.

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