Conventional Mortgages


Home Sweet Home

Image of a woman and a house with the text: Save on Fees with $250 off and Quick Closing.

Save $250 and close quickly!

  • $250 off closing costs***
  • Rates lower than 3.00% APR
  • Quick closing process** – guaranteed fastest close time in the state!
As a member of DFCU, we’re in the business of saving YOU money on your home. Now is the time to buy as rates are still low and you get $250 off closing costs when you get your mortgage through Deseret First. You can save a couple hundred bucks as well as close fast on the home of your dreams. Stop waiting and apply for a mortgage with us today and be one step closer to opening the door to your new home!
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Limited Time Offer


*Membership and Eligibility required. Terms and conditions apply. OAC. Rate stated as Annual Percentage Rate.

** Qualifications for this loan are that the member must have a 740 or higher credit score, be a W2 borrower, put 20% down, the property has to be the primary residence, and the appraisal must be ordered within 48 hours.

***The $250 cashback will be applied once a completed and successful closing happens

Home loans with Deseret First

Get the right rate, terms, down payment, and pre-approval with a conventional loan at Deseret First. Our mortgage team works with you to find the right loan for your financial situation. Whether this is your first home, fifth home, or an investment property, we’re here to help you.

Questions? We’ve got answers. Visit a branch or call a Mortgage Officer today at 801-456-7070 or 800-326-3328 ext. 7070, M-F 8:30 am- 5:30 pm.

Make It Your Home
Current Mortgage Rates
TermRateAPR
15-Year Fixed-Rate Conventional2.125%2.296%
30-Year Fixed-Rate Conventional2.990%3.086%

The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Offer subject to change. OAC. Additional products and rates are listed here.

Types of conventional mortgages

inviting kitchen with island and table

Fixed-Rate Conventional Mortgage

  • 10, 15, 20, or 30 Year terms
  • As little as 3% down
  • Constant rate for the life of the loan
  • Loans for primary, secondary, or investment properties
  • Conventional loans up to $548,250
  • High Balance Conventional loans up to $822,375
  • Jumbo Loans available for loans above $548,250
exterior of home at dusk

Adjustable-Rate Conventional Mortgage

  • 5, 7, or 10 year initial term ARM options
  • Fixed-rate for the initial term, then fluctuates based on market conditions
  • As little as 5% down
  • Loans for primary, secondary, or investment properties

Payment examples listed below are illustrative only and do not include amounts for taxes and insurance premiums, thus, your actual payment obligation will be greater. Additionally, your actual rate may be higher depending upon your creditworthiness. Offer subject to change. Membership and eligibility required. OAC.

30-year Fixed Payment Example: Monthly payments for a $180,000 loan would be $1079.19 for 360 months. Assuming an interest rate of 6.00% (6.122% Annual Percentage Rate). 15-year Fixed Payment Example: Monthly payments for a $180,000 loan would be $1518.94 for 180 months. Assuming an interest rate of 6.00% (6.204% Annual Percentage Rate).

Let’s make that home your own!

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