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.

Buy a Home

Traditional Options
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Conventional

Traditional Options
Embolden Yourself
young couple in their new home with a measuring tape

First-Time Buyers

Embolden Yourself
Do you qualify?
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FHA, VA, USDA Loans

Do you qualify?
Settle faster
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Short-Term Home Loans

Settle faster

Building

Build Your Own
new home construction site

New Construction

Build Your Own
Purchase Property
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Lot / Land

Purchase Property

Home Equity

Use Your Assets
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HELOC & 2nd

Use Your Assets
Seniors’ Funds
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Reverse Mortgage

Seniors’ Funds

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
exterior photo of home with clean landscaping

Mortgage Benefits with Deseret First


Free Mortgage Pre Approval

Free Pre-Approval

Low Interest Rates

Low Interest Rates

Low Fees Mortgages

Low Fees

Many options no PMI

No PMI options

DFCU Cares

We care!

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”

Mortgage Officers at Deseret First Credit Union

What does the home-buying process look like?

1
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.
2
Find the Right Property
Use a Realtor to find the home that is right for you.
3
Start the Loan Process
Meet with a DFCU Mortgage Loan Officer to sign your documents and order an appraisal.
4
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