Mortgage Options

Find the mortgage that fits you

Buying, Building, or Using Equity

Whether you’re making use of your home equity, refinancing, looking for your first home, or building your own — we have an option for you! Trust Deseret First Credit Union to help you with this big decision; you’ll be under our wing every step of the way.

We have a great team of mortgage officers to help you find the perfect loan for your situation. We want to make sure you get the loan you want and need. Start the process of making your place a home today with us!

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Mortgage Rates

Buy a Home

Conventional

Traditional Options

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First-Time Buyers

Embolden Yourself

FHA, VA, USDA Loans

Do you qualify?

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Short-Term Home Loans

Settle faster

Building

New Construction

Build Your Own

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Lot / Land

Purchase Property

Home Equity

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HELOC & 2nd

Use Your Assets

Reverse Mortgage

Use Your Equity

Refinance

At Deseret First, we offer many options when it comes to refinancing your home. When you work with us you can get:

cash out options
lower monthly payments
a smooth & simple process
a solid understanding of if and when refinancing is right for you

Refi Details

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Mortgage Benefits with Deseret First

Free Pre-Approval

Low Interest Rates

Low Fees

No PMI options

We care!

View All Rates

Meet the DFCU Lending Team

Our Mortgage Loan Officers teach — not sell.

With over 60 years of combined experience, our team has the background to put you in a loan that’s right for you. For instance, we understand the nuts and bolts of each equity loan. We know it’s easy for the average member to get lost in those details. That’s why we have the know-how to put you in a position of understanding. We can take care of your mortgage needs whether that’s on the phone, in person, through our website, or in our branches! Let our Mortgage Loan Officers help you find the mortgage that is right for you.

Home buyers rate us 4.5 stars: “Extremely Satisfied”

“Our loan officer provided the most professional, friendly service we have experienced when purchasing a home. We will definitely refer him and DFCU to friends; can’t speak highly enough of him.”

— Adam

“Quick and thorough. Very kind and courteous. they answered our questions and helped us understand the process.”

— Randy

“Thank you for making the process so positive. We felt safe in your hands.”

— Joseph

“I couldn’t have asked for any better–the mortgage team was so quick to respond to all questions and concerns that I had. It was very comforting to know I was working with a group that has great knowledge in this area. Thanks soooo much!!”

— Tina

“This was such a pain free experience. We highly recommend DFCU.”

— Stephen

What does the home-buying process look like?

Get Pre-Approved
Meet with a DFCU Mortgage Loan Officer to talk about your finances. This will help you determine how much you can afford.

Find the Right Property
Use a Realtor to find the home that is right for you.

Start the Loan Process
Meet with a DFCU Mortgage Loan Officer to sign your documents and order an appraisal.

Sign and Get the Keys
Sign your closing documents and then the house is yours! Start moving in and make the house your own.

Let’s make that home your own!

Start Application