FHA Loans

Purchase or refinance a home with the FHA (Federal Housing Administration) Loan Program. It offers competitive rates and expanded qualifying guidelines for those with limited funds or less-than-perfect credit.

  • 3 and 5-year adjustable rate terms or 10, 15, 20, 25, and 30-year fixed terms.
  • Loans up to 96.5% financing.
  • Refinance a current FHA loan without an additional appraisal.
  • Insured by the FHA.

VA Loans

The Veterans Administration (VA) Loan Program enables veterans and active duty personnel to purchase or refinance a home with affordable terms.

  • 3 and 5-year adjustable rate terms or 15 and 30-year fixed terms.
  • Loans up to 100% financing.

USDA Loans

The Guaranteed Rural Housing Mortgage Loan Program offers 30-year, fixed-rate mortgage financing guaranteed by the U.S. Government through USDA Rural Development (RD).

  • 30-year, fixed term only.
  • Loans up to 100% financing.
  • Property must be in a rural area. Contact a Mortgage Officer to see if your location will qualify.
  • USDA loans are primarily for purchases. USDA will only refinance current USDA loans.

With so many options available, let Deseret First help find the right loan for you. Call a Deseret First Mortgage Officer at 801-456-7070 or 1-800-326-3328 ext. 7070, M-F 8:30 am- 5:30 pm.

Save money on your mortgage

Our loan officers can help find the loan to fit your budget, for refinances or new purchases.
 
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Improved online banking

You can not only check balances and transfer money easily, but you can also use the enhanced budgeting tools, set savings goals and much more!
 
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mobile deposit is here!

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