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Conventional Mortgages


Home Sweet Home

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

Mortgage Rates


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 $647,200
  • High Balance Conventional loans up to $970,800
  • Jumbo Loans available for loans above $647,200
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).

What would my payment be?

Find a house payment to fit your budget with this calculator!

Monthly Payment

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Principal Interest Escrow

Principal: $0Interest: $0Escrow: $0

This chart shows the breakdown of your potential initial payment. As you make payments on your loan, the percentage of principal you pay naturally increases compared to interest.

Estimated payoff date:

Total interest:

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Total to be repaid:

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The information provided in this loan calculator is an estimate and is for illustrative purposes only. Its accuracy is not guaranteed. The monthly payment illustrated above refers to the first, initial payment; for the interest and principal will change each month over the time of the loan. There may be other costs associated with obtaining a loan not included here. The figures shown are hypothetical and may not apply to your individual situation. This calculator does not pre-qualify you for any loan program. You should always consult a qualified professional for financial advice.

Let’s make that home your own!

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