Mortgage Loans: Feel Like at Home
Homeownership is more than a transaction; it's a cornerstone of family stability. At Deseret First, you get competitive rates, transparent fees, and a lending team that knows Utah's market inside out. Whether you're buying your first condo, building a forever home, or refinancing, our experts are there at every step.
Today's Mortgage Rates
We offer competitive rates that you can only get at a credit union.
Conventional Mortgages
Step Into Homeownership With Confidence
Buying a home can feel overwhelming—but with DFCU, you're never on your own. Get pre-approved in as little as 24 hours, lock in a competitive rate, and close with confidence.
Choose from fixed or adjustable terms up to 30 years, financing options on conventional loans, and real-time updates from your dedicated loan officer.
Simplify the process. Secure your home. Start your next chapter.
First‑Time Homebuyer Program
Your First Keys, Minus the Stress
DFCU's First-Time Homebuyer Program helps members take that important first step with low down payments, reduced PMI, and free homebuyer education designed around principles of financial stewardship.
Start with as little as 0% down, access closing-cost grants, and build credit along the way with personal coaching and budgeting support.
Your dream home begins with the right foundation.
Government Backed Loans
FHA, VA, and USDA Mortgages
Do you have less-than-perfect credit? Served in the military? Or looking to put down roots in a rural area? A government back loan might a great option for you and your family.
Short-Term Home Loans
Own Your Home Sooner
Whether you’re close to retiring, looking to remodel, or just wanting to get out of debt sooner, a short-term mortgage is a great option.
Construction Loan
Build the Home That Fits Your Vision
From blueprint to blessing, our one-time-close construction loan simplifies the journey. It finances land and building costs, then automatically converts to a permanent mortgage once construction is complete—saving time, fees, and stress.
Enjoy interest-only payments while you build, rate-lock options upfront, and quick draw funding for your contractor—often within 48 hours.
Build with confidence, supported by people who understand your goals.
Lot & Land Loans
Get the Perfect Piece of Land
A lot loan (also known as a land loan) is used to purchase a plot of land. This loan is great if you’re not quite ready to build your dream home but want to secure its future.
Refinance Loan
Lower Payments, Shorten Term, or Tap Equity
Your mortgage should evolve as your needs do. Refinance with DFCU to reduce payments, shorten your term, or access up to 80% of your home's value for renovations, missions, or education.
We offer streamlined refis with minimal paperwork for DFCU-serviced loans and transparent, fast appraisals through our in-house network.
Same home. Better loan. Renewed freedom.
Run the Numbers
See What You Can Afford
Estimate your monthly payment, total interest, and payoff timeline — adjust the numbers to fit your budget before you apply.
Mortgage Calculator
Find a house payment to fit your budget with this calculator!
Estimated payoff date:
10/16/2056
Total interest:
$382,184
Total to be repaid:
$662,184
The information provided in this calculator is an estimate and is for illustrative purposes only. Its accuracy is not guaranteed, and it should not be considered financial, legal, or tax advice. There may be other costs associated with obtaining the loan not included here. Figures shown are hypothetical and may not apply to your situation. This calculator does not pre-qualify you for any loan program. Before making any financial decisions, consult with a qualified financial advisor, accountant, attorney, or other appropriate professional.
Why Choose a DFCU Mortgage
Why Utah Families Choose DFCU for Their Mortgage
Values‑based guidance
Advisors help balance payments with long‑term family goals.
Rate float‑down & re‑lock
Take advantage if markets dip before closing.
Free annual check‑up
We proactively review refinance or MI removal opportunities.
Plant Roots With a Mortgage from DFCU
Start with a 10‑minute online application or schedule a no‑pressure call with a certified mortgage adviser. Let's build, buy, or refinance—together.
Become a Member Today
Church members and immediate family members can join the credit union.
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
*Rates stated as Annual Percentage Rate (APR). Rates include 1% origination fee. Please note that rates and fees are subject to change without notice. All loans OAC. Membership and eligibility required.