Heloc & 2nd Mortgages

HELOCs and second mortgages allow a homeowner to borrow against the equity in their home. HELOC (Home Equity Line of Credit) No origination fee. 20-year term (10-year draw, 10-year repayment). No Private Mortgage Insurance (PMI). Up to 115% loan-to-value. Utah and Idaho only. Piggyback loans available for purchase and refinance. APPLY NOW 2nd Mortgage 5… Read more »

MORE

First Time Buyer Mortgages

Deseret First understands the dream of home ownership, but coming up with a 10-20% down payment may not be an option. With special mortgages for first time home buyers, Deseret First makes home ownership a reality. APPLY NOW   Benefits Down Payment Assistance up to $7,500 Designed for applicants with limited down payment and credit… Read more »

MORE

Lot Loans

Finding the right piece of property is important to building the right home. A Lot Loan from Deseret First can keep payments low and help you reach the goal of that perfect home. Benefits Up to 5-year term calculated over 30 years to keep payments lower. 80% loan-to-value. Loans for primary and secondary residences. Easily… Read more »

MORE

Construction Loans

If you’ve found the perfect lot to build your dream home, and plan on completing construction within 12 months, then Deseret First has the construction loan for you. Our Loan Officers have the experience and resources to help you make the process simple and affordable. Benefits Match or beat competitive financing Loan options for primary… Read more »

MORE

Short-Term Home Loans

Short-Term Home Loans Whether you’re close to retiring, looking to remodel, or just wanting to get out of debt, a short-term mortgage from Deseret First can help get your house in order. Rates are the lowest they’ve been in years. Pay off your home faster, save thousands in interest. Fixed Rate Products 5 and 10-year… Read more »

MORE

Conventional Mortgages

Fixed-Rate Conventional Mortgage 10, 15, 20 and 30-year terms. Loans up to 97% financing. Rate stays the same for the life of the loan. Loans for primary, secondary, and investment properties. Jumbo products available for loans over $424,100. Adjustable-Rate Conventional Mortgage (ARM) 3, 5, 7 and 10-year initial term ARM options. Fixed rate for the initial… Read more »

MORE

Reverse Mortgage

Thinking about a Reserve Mortgage? You are in the right place. With so many options available, let Deseret First help find the right loan for you. Call a Deseret First Mortgage Officer at 801-456-7095 and 1-800-326-3328 ext 7095 M-F 8:30 am- 5:30 pm. How Does a Reverse Mortgage Work? Loan for seniors that uses home… Read more »

MORE

YOUR CHECKING YOUR CHOICE

Choose getting paid for swiping your debit card or earn up to 2.00% APY on your balance.

Learn More

VISA CREDIT CARDS THAT PAY YOU

Deseret First has Visa Credit Card options that put money back in your wallet.
Learn More

CHECK OUT OUR MOBILE APP

The Deseret First mobile app allows access to your accounts anytime, anywhere. Check balances, transfer funds, or deposit a check today!

Learn More

MOBILE DEPOSIT!

Use our FREE mobile app to deposit a check into your account, right from your Apple or Android phone! Anytime, Anywhere!

Learn More