Utah Conventional Mortgage Loan

30 Yr Fixed Conventional

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1.878 Pts

6.875^%

APR 7.103%

Lowest rate, highest upfront cost

Low rate with upfront cost

Balanced rate and upfront costs

Rates as of September 29, 2023 See Rate Assumptions

As of October 1, 2023, the rates in Utah are 7.25% (7.392% APR) for a 30-year fixed rate mortgage and 6.5% (6.5% APR) for a 15-year fixed-rate loan.

If you’re preparing to buy a home in Utah within the next three to 12 months, you’re likely considering what your potential mortgage loan options might be. Homebuyers have several available mortgage loan options from which to choose based on their unique needs.

While government-backed mortgages such as those backed by the Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), and the U.S. Department of Agriculture (USDA) might have easier qualification standards, conventional mortgage loans are the most popular type.

According to data from the U.S. Census Bureau, 76% of the 644,000 new homes sold in the U.S. in 2022 were financed through conventional mortgages.

Conventional mortgages are not backed by the government and are offered by private lenders. For this reason, they have more stringent eligibility criteria.

Conventional mortgages can be conforming or non-conforming loans. Conforming conventional mortgages are those that conform to the loan limits established by the Federal Housing Finance Agency (FHFA) and are adjusted each year. The conforming limits are maximum conforming loan amounts based on the county in which a home is located.

Lenders can sell eligible conforming loans to Fannie Mae and Freddie Mac, which form the secondary market for mortgage loans. Here’s a guide to Utah conventional mortgages from the professionals at City Creek Mortgage.

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Conventional Loan Limits by County in Utah

The 2023 conforming loan limits by Utah County can be found in the table below:

County	One Unit	Two Unit	Three Unit	Four Unit
Beaver	$726,200	$929,850	$1,123,900	$1,396,800
Box Elder	$744,050	$952,500	$1,151,400	$1,430,900
Cache	$726,200	$929,850	$1,123,900	$1,396,800
Carbon	$726,200	$929,850	$1,123,900	$1,396,800
Daggett	$726,200	$929,850	$1,123,900	$1,396,800
Davis	$744,050	$952,500	$1,151,400	$1,430,900
Duchesne	$726,200	$929,850	$1,123,900	$1,396,800
Emery	$726,200	$929,850	$1,123,900	$1,396,800
Garfield	$726,200	$929,850	$1,123,900	$1,396,800
Grand	$726,200	$929,850	$1,123,900	$1,396,800
Iron	$726,200	$929,850	$1,123,900	$1,396,800
Juab	$726,200	$929,850	$1,123,900	$1,396,800
Kane	$726,200	$929,850	$1,123,900	$1,396,800
Millard	$726,200	$929,850	$1,123,900	$1,396,800
Morgan	$744,050	$952,500	$1,151,400	$1,430,900
Piute	$726,200	$929,850	$1,123,900	$1,396,800
Rich	$726,200	$929,850	$1,123,900	$1,396,800
Salt Lake	$726,200	$929,850	$1,123,900	$1,396,800
San Juan	$726,200	$929,850	$1,123,900	$1,396,800
Sanpete	$726,200	$929,850	$1,123,900	$1,396,800
Sevier	$726,200	$929,850	$1,123,900	$1,396,800
Summit	$1,089,300	$1,394,755	$1,685,850	$2,095,200
Tooele	$726,200	$929,850	$1,123,900	$1,396,800
Uintah	$726,200	$929,850	$1,123,900	$1,396,800
Utah	$726,200	$929,850	$1,123,900	$1,396,800
Wasatch	$1,089,300	$1,394,775	$1,685,850	$2,095,200
Washington	$726,200	$929,850	$1,123,900	$1,396,800
Wayne	$726,200	$929,850	$1,123,900	$1,396,800
Weber	$744,050	$952,500	$1,151,400	$1,430,900

In high cost areas in Utah, you can get a conventional mortgage with higher loan limits than the standard conforming loan limit of $726,200. These counties include the following as demonstrated by the table above:

Box Elder
Davis
Morgan
Summit
Wasatch
Weber

The higher limits in these counties are called super-conforming loan limits. Super-conforming conventional loans typically offer lower interest rates than jumbo loans.

Conventional Loans vs. Government-Backed Loans

Unlike government-backed loans, conventional mortgages are offered by private lenders and are not guaranteed by a federal agency. Because of this, the qualifying criteria for conventional mortgages are often more stringent than for government-backed mortgages. Lenders typically require higher credit scores and lower debt-to-income ratios than what might be required to qualify for government-backed loans.

The most popular types of government-backed loans include:

FHA mortgages – Mortgage loans insured by the Federal Housing Administration and have lower qualifying credit scores than conventional mortgages
VA mortgages – Mortgage loans backed by the U.S. Department of Veterans Affairs for veterans, military service members, and their spouses
USDA mortgages – Mortgage loans guaranteed by the U.S. Department of Agriculture for low- and moderate-income borrowers to purchase homes in designated rural areas

We’ll compare and contrast conventional mortgages with each of these types of government-backed mortgages below.

Conventional vs. FHA Loan: Which Is the Better Option?

As long as you meet the qualifying eligibility criteria for a conventional mortgage, it is nearly always the better option.

There are 2 main advantages that conventional mortgages have over FHA mortgages.

Conventional rates are lower than FHA rates.
With conventional mortgages, you can remove the private mortgage insurance, or never pay it in the first place–if you can put 20% down on a home with a conventional mortgage, you won’t have to carry private mortgage insurance (PMI).

If you do put down less than 20%, you can ask to cancel your private mortgage insurance once you have 20% equity in your home. If you don’t request cancellation of your PMI when you’ve reached a loan-to-value (LTV) ratio of 80%, your loan servicer will automatically cancel it when you reach a 78% LTV ratio.

Conventional mortgages allow qualifying buyers to purchase primary residences, second homes, vacation property, or investment property. FHA mortgages can only be used to purchase a home that you will use as a primary residence.

FHA loans are backed by the FHA and have lower qualifying credit scores. They also allow buyers to have higher debt-to-income (DTI) ratios and require down payments of as low as 3.5%.

If you get an FHA loan, you will be required to carry FHA mortgage insurance for a minimum of 11 years with a down payment of 10% or more. If your down payment is less than 10%, you’ll be required to carry FHA mortgage insurance for the entire life of your loan regardless of how much equity you have in your house. Because of this, conventional mortgages tend to cost less than FHA loans.

Here’s a comparison chart of conventional mortgages vs. FHA loans:

Conventional Mortgage	FHA Loan
Requires higher credit scores	Accepts lower credit scores
Can avoid PMI with a 20% down payment or cancel when you reach an 80% LTV ratio	Mandatory FHA mortgage insurance
Lower DTI required	Higher DTI might be allowed
Not federally guaranteed	Backed by the FHA
Minimum downpayment of 3% to 5%	Minimum down payment of at least 3.5%
Can use on a primary home, second home, investment property, or vacation property No mortgage insurance premium required	Can only be used on owner-occupied primary residence Requires an additional upfront Mortgage insurance premium fee

Going Rural? Conventional vs Rural Loan (USDA) – Which Is Better?

USDA loans are guaranteed by the U.S. Department of Agriculture in the event of default. They can be used to purchase homes in designated rural areas.

These loans have income limits before you can qualify. Your income can’t exceed 115% of the median income in your area. The income limit for a USDA-backed mortgage applies to all adults living in the home, including anyone who lives there but is not on the mortgage. If your household income exceeds 115% of the median income in your county, you won’t be eligible for a USDA loan.

For automated approval, you will need a minimum credit score of 640 for a USDA loan. If your score is between 600 and 639, your USDA loan application will have to go through manual underwriting and might not be approved.

A key benefit of a USDA loan is that you won’t have to make a down payment, which can make it an attractive option for income-qualified homebuyers in rural areas.

Instead of mortgage insurance, USDA loans require a guarantee fee that has a similar function of guaranteeing the loan. It is broken into two parts, including an upfront fee of 1% and annual fees of 0.35% of your loan balance. Both the upfront and annual fees can be rolled into the loan.

Here’s a quick comparison chart of conventional vs. USDA loans:

Conventional Mortgage	USDA mortgage
Minimum credit score of 620 from most lenders, but higher scores can get better interest rates	Minimum credit score of 640 for automated approval
Home can be located anywhere in Utah	Home must be located in an eligible rural area
Minimum downpayment ranging from 3% to 5%	No down payment required – 0%
No maximum income limits	Household income limit of no more than 115% of the median income in the area
PMI required until you reach an LTV ratio of 80%	No mortgage insurance, but requires payment of a guarantee fee
Can be used to purchase a primary residence, second home, vacation home, or investment property	Can only be used to purchase an owner-occupied primary residence

Conventional Mortgage vs. VA-Backed Loan

If you are a veteran, military service member, or surviving spouse, you might be eligible for a VA-backed mortgage. These mortgages are backed by the U.S. Department of Veterans Affairs.

VA loans can be attractive to military service members, veterans, and surviving family members because they have no down payment requirements. They also have competitive interest rates to conventional mortgages and do not require mortgage insurance.

While the VA doesn’t set a minimum qualifying credit score, lenders are allowed to set their own limits. Most lenders require credit scores of around 620 for a VA loan.

Finally, VA loans require a funding fee that serves to guarantee the loan. This funding fee varies from 1% to 3.6% of your loan amount based on your down payment.

Here’s a simple comparison chart of conventional mortgages vs. VA-backed loans:

Conventional Mortgage	VA Loan
No special eligibility requirements	Only veterans, military service members, and surviving spouses are eligible
PMI required for down payments of less than 20%	No required down payment but will have to pay a funding fee ranging from 1% to 3.6% of the loan amount based on the down payment made
Minimum credit score of 620	Credit score requirements vary based on lenders but average around 620
Conforming loans must meet the conforming loan limits for the county	No maximum loan limits
Can be used to purchase a primary residence, vacation home, second home, or investment property	Can only be used to purchase an owner-occupied primary residence

What Are Conventional Rehab Loans?

Conventional rehab loans are conventional loan products that allow homebuyers to obtain a single loan product to purchase a home and complete renovations.

Both Fannie Mae and Freddie Mac offer conventional rehab loans, called the homestyle renovation mortgage and the choice renovation loan, respectively.

Fannie Mae Homestyle Rehab Loan

The Fannie Mae Homestyle rehab loan is a flexible mortgage product that allows buyers to borrow enough to purchase a home and make improvements with a single primary mortgage loan product. This means the homebuyer will only have to pay closing costs once instead of paying them a second time to secure a home improvement loan.

Under the requirements, the renovations must be approved and can’t exceed 75% of the purchase price of the home plus the renovation costs or the appraised value following construction, whichever is lower.

The Fannie Mae homestyle loan can also be used to make outdoor improvements, including landscaping, pools, and patios.

Freddie Mac CHOICE Renovation rehab loan

The Freddie Mac CHOICE Renovation rehab loan can be used to purchase and renovate second homes, investment properties, and multi-unit residences. It requires a minimum down payment of 3.5% and lower DTIs and credit scores.

Restrictions might apply based on your location. To receive credits towards the down payment, borrowers are allowed to complete repairs while the property is under contract up to closing.

How to Get the Most out of a Conventional Loan

If you want to get the most out of a conventional loan, follow these tips:

1. Work to Improve Your Credit to Obtain a Higher Score

While you might be approved for a conventional mortgage with a minimum credit score of 620, you’ll need a higher credit score to qualify for the most competitive interest rates.

Aim to get to a credit score of 740 or above for the best rates. If you have a high credit score and a low-interest rate, the cost of your loan will be much lower.

2. Talk with your loan officer about 20% down, it may not be your best option.

If you can put 20% down, you can avoid PMI and save on your monthly payment, however, mortgage insurance is much more affordable than it was in the past. So it may be more advantageous to pay points and buy your rate down instead of putting the entire 20% down.

Either way, it’s best to speak with your loan officer to get numbers on what each option looks like.

3. Choose the Loan Term for your goals

If you get a fixed-rate mortgage and choose a shorter loan term, you’ll save on interest over the life of your loan, but your monthly payment will be higher. Many people who choose 15 year loans end up refinancing back to a 30 year loan to get more monthly flexibility.

What You’ll Need to Apply for a Conventional Mortgage in Utah

You’ll need to gather the following information and documents to apply for a conventional mortgage in Utah:

Social Security number
Residential addresses for the past two years
Employer names and addresses for the past two years
Current gross monthly salary
Tax returns for the past two years
Pay stubs for the last 30 days
Names, addresses, account numbers, and balances on all checking/savings and other open accounts
Addresses and loan information of other real estate owned, if applicable
The estimated value of furniture and personal property
W2s for the past two years
For self-employed individuals, provide a current income statement and balance sheet

FAQs

1. What are the rules for a conventional mortgage loan in Utah?

Anyone can qualify for a conventional loan as long as they meet the following eligibility requirements:

Have a minimum credit score of 620, but people with scores of 740 or higher will obtain the best rates
Have a DTI of less than 36%, but some lenders will allow higher DTIs
Be prepared to make a downpayment of at least 3% to 5%, but a higher down payment might be required for lower credit scores
Find a property meeting the conforming or super-conforming loan limits in your county or opt for a jumbo loan instead
Have no major adverse credit events on your credit report for the past few years, depending on the specific type (bankruptcy, foreclosure, collections, etc.)
Pay off certain types of collection accounts

2. Can you get a conventional loan in Utah without a down payment?

If you are a first-time homebuyer, you can get a conventional loan with a down payment of as low as 3%.

Speak to the Mortgage Professionals at City Creek Mortgage

If you want to learn more about conventional mortgages or other loan options, speak to the mortgage professionals at City Creek Mortgage. We believe in full transparency and want to help you get the mortgage that meets your needs the best. Contact us today at (801) 501-7950 to learn how we can help.

Apply for a Utah Conventional Loan Here

City Creek Mortgage

11910 South State Street #100, Draper

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Daniel Smith
Pete, Sefa, and Ivie were incredible in their support throughout the entire process. They went above and beyond providing counsel and guidance. Thanks to their highly coordinated and diligent efforts we were able to rapidly move through … More the process. Highly impressed with the outstanding service. Strongly recommend!
★★★★★ a week ago
Tyson Leavitt
Alexis is truly outstanding! I have utmost confidence in her ability to handle my clients' mortgage requirements, and she is my go-to person for all of my own mortgage needs. She is consistently accessible and swift in responding to … More any inquiries or worries. Working with Alexis and her team is an absolute delight. Without any reservations, I highly recommend her for all of your mortgage needs.
★★★★★ 3 weeks ago
Lee Houghton
I can’t express how happy I am with Troy and his team! I have had 12 real estate transactions in my life so far and I have never used a mortgage company or real estate agent twice. I am used to being the one driving the process because … More the others couldn’t do their job. Troy was so helpful throughout the whole process, he even found me a real eater agent in Idaho that turned out to be the best real estate agent I have ever worked with. Troy, Nicole, and Sefa communicated with me regularly and I never once had to call them for an update. They also communicated with my real estate agent throughout the whole process as well. I will forever use these guys. I don’t know if everyone at City Creek is as good as Troy but you have to call him first. My loan was ready to go several days before closing. The process was so smooth and efficient.
★★★★★ 3 weeks ago
Jobson Real Estate
Alexis and Carlin were awesome to work with! As a real estate agent, working with a client who is buying a home, one of the most important qualities a mortgage lender can have is to be a good communicator. Both Alexis and Carlin have … More this quality in spades.
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★★★★★ a month ago
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City Creek Mortgage has the best rates, service and team. I price shopped (three separate quotes) and City Creek Mortgage won my business. My loan closed on time, and Alexis and Carlin were very responsive and communicative throughout … More the process. Thank you.
★★★★★ a month ago
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We can honestly provide a high recommendation for anyone that wants to work with City Creek Mortgage. We have been working with them since 1994 & we wouldn’t work with anyone else. Their teams are amazing! We most recently had the pleasure … More of working with Troy, Nicole & Carlin and again they were fantastic!!
★★★★★ a month ago
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City creek mortgage and their team were fantastic to work with. From beginning to end they made the whole process as smooth as possible. Devyn was super sweet to work with as she consistently provided updates and answered every single question … More I had. Christian would go above and beyond and send me documents that were urgent when needed whenever the assistants were out of office which I definitely appreciated! The assistants Carlin & Nichole were great and super friendly, they always kept us posted of our next steps and we’d never worry about anything being missed as they would stay constantly stay in touch. I would definitely recommend city creek mortgage for anyone who is looking to purchase a home. Thank you for making our dreams come true of owning a home. We couldn’t have done it without city creek Mortgage
★★★★★ a month ago
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When I first connected with City Creek Mortgage, the agent - Pete, took the time to explain all my options and how to best live forward. During the whole process everyone I worked with was friendly and extremely helpful which led to a smooth … More transaction.
★★★★★ 2 months ago
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★★★★★ 2 months ago
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The whole experience was great! Sefa, and Troy and the team at city creek made our refinance very easy. Sefa was awesome about keeping us updated on everything That was going on. Sefa made sure all the correct documents were gathered to … More make for an easy closing. Troy was always helpful with answering our questions, and made sure we were taken care of!
★★★★★ 2 months ago
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★★★★★ 2 months ago
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I was so impressed. Buying a house can feel overwhelming but with City Creek I feel that all of that nervous energy was absorbed, changed to positive energy and given right back to us to move forward with confidence and encouragement. … More I was nervous at first and I expressed that I may need a little more frequent contact to get updates so that I was not sweating it out on our purchase. They happily obliged and called me not only when things are moving but when we were in a holding pattern as well. This helped me navigate a process that I don't go through often. Thanks Alexis and Taylor for making this a painless process.
★★★★★ 2 months ago
D J
I recently had the pleasure of working with the outstanding team at City Creek Mortgage, specifically Devyn, Nicole, and Carlin, who made my mortgage process an absolute breeze. From start to finish, their professionalism, expertise, and … More unwavering dedication were truly remarkable!
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★★★★★ 3 months ago
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★★★★★ 3 months ago
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Let me tell you, these guys are amazing. I am self employed and my past experience when applying for a home loan or any kind of a loan has always been hard and sometimes I have questioned why I put myself through this again, but for the … More first time ever, this home loan went pretty smooth. I love how city creek is with you every step of the way. From start to finish, it took less than 3 weeks to close and fund my loan. I give them 5 stars.
★★★★★ 3 months ago
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★★★★★ 5 months ago
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★★★★★ 5 months ago
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I worked with Alexis and Taylor and they were friendly and efficient. They were happy to answer all my questions and got us to closing without any concerns. I was also very pleased that given my unique income situation Alexis was willing … More to advocate for me with the underwriter and get me approved. City Creek's rate was very competitive, and even though it wasn't the very lowest I chose them because of their approach and service.I worked with Alexis and Taylor and they were friendly and efficient. They were happy to answer all my questions and got us to closing without any concerns. I was also very pleased that given my unique income situation Alexis was willing to …More
★★★★★ 6 months ago
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★★★★★ 6 months ago
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★★★★★ 6 months ago
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★★★★★ 6 months ago
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★★★★★ 9 months ago
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I first want to say my experience with City Creek Mortgage has been nothing less than exceptional. I worked with Devyn, Nicole and Carlin and from start to finish they were absolutely amazing. Any questions I had they were quick to answer, … More and they were great at explaining the process and steps and where were sitting and what to expect next. I can’t speak highly enough of them.I first want to say my experience with City Creek Mortgage has been nothing less than exceptional. I worked with Devyn, Nicole and Carlin and from start to finish they were absolutely amazing. Any questions I had they were quick to answer, …More
★★★★★ 10 months ago
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★★★★★ 10 months ago
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Bottom line: City Creek was $6,533 less when I checked their rates online than what my normal guy quoted me. I closed a few weeks later and was absolutely floored they saved me so much.
I’m a finance professional so shopping around for … More the best price is part of who I am, especially when financing a property. For my last mortgage, I shopped around and found what I thought was a great price. So for this property I got a quote from that same mortgage company and was planning to close with them.
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★★★★★ 11 months ago
Rudy Nunes
Working with Taylor and Alexis over at City Creek was a breath of fresh air. I like to think that I did my due diligence during the research phase of purchasing a home and assessing mortgage lenders, and ran into all types of personalities … More along the way. In such a high-stress and volatile market (seller's market turned buyer's market, turned recession H2 2022) I realized that predictability and professionalism, which lead to transparency and timely communication, were the most important characteristics for me during this transaction - which City Creek nailed.I'd highly recommend anybody to work with them, and I'll refer them to anyone who asks me they should reach out to in the future.Working with Taylor and Alexis over at City Creek was a breath of fresh air. I like to think that I did my due diligence during the research phase of purchasing a home and assessing mortgage lenders, and ran into all types of personalities …More
★★★★★ 11 months ago
Troy Teeples
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★★★★★ 11 months ago
Riley Richards
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★★★★★ 11 months ago
Aaron Clegg
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★★★★★ 11 months ago
Jeff Simmons
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I was originally referred to my builder's "preferred lender" but wanted to shop around for rates. My builder was offering thousands in incentives towards closing costs with their lender, but I was impressed with the amount of 5 star reviews for City Creek and thought I'd see what they could offer. Troy and his team were able to secure a lower rate and lower closing costs even without the incentive money from the builder!
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All of them had great communication through the entire process and their customer service is top-notch! I am so grateful to each of them for all that they were able to do for me and I look forward to working with them again in the future!
★★★★★ a year ago
justin companion
Highly recommend Jordan and Taylor at City Creek Mortgage. I was in the market to purchase a home and was trying to figure out which lender to use. The billboards are what drew me in and made me give them a call and I’m very glad I did. … More They were very quick and proficient at their jobs. They were transparent at providing me numbers and information. Best of all, they were able to secure the lowest rate at the lowest closing costs as well. I applied and shopped with 4 other lenders and from the very start I knew I was going to go with City Creek Mortgage simply due to their professionalism and excellent customer service. Thank you again Jordan and Taylor. I will definitely refer anyone I know in the market to you guys. In the future, you will be my Go-To for any mortgage lending needs.
★★★★★ a year ago