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Utah FHA Refinance
As of November 9, 2025, a 30-year fixed FHA loan in Utah is 5%(5.969%APR).
Customize Utah FHA loan rates for 30-year, 20-year or 15-year terms. You’ll also find the maximum and minimum lending limits set by the Federal Housing Administration for every county in Utah.
Looking to Refinance Your FHA Loan or Remove PMI? Use Our FHA Refinance Calculator
An FHA refinance is available in fixed rate, adjustable rate, and as a streamline.
↓ Try Our Utah FHA Mortgage Calculator ↓
FHA Streamline
- Are you currently in an FHA loan?
- Do you want to lower your monthly payment, even if you are upside down in your current loan?
- Has your home lost value since your original purchase?
- Is today’s interest rate lower than when you closed on your current loan?
FHA streamline refinance is a program designed for homeowners who have an FHA loan, whose homes have depreciated in value since they closed on their loan, or who are currently paying a higher interest rate than is presently offered.
- You can choose an arm or 15-year or a 30-year fixed term.
- You are not required to have your home re-appraised.
- You do have to meet debt to income requirements.
We take pride in being Utah’s authority in FHA mortgage refinancing. You can bank on our wealth of experience and unparalleled expertise in FHA Streamline Refinance to help you cut down the interest rate on your current mortgage. This refinancing option requires less paperwork to reduce your headaches and further minimize your expenses.
Our experienced mortgage planners will definitely put your best interest above everything else. We do everything we can to make this process as trouble-free as possible.
Whether you need some information about mortgage refinancing in Utah, or you are ready to begin with the process, you can count on our team to help you every step of the way. Contact us today to get started!
Start an FHA Refinance Application
FHA Adjustable Rate
- Do you have less than perfect credit and still want to qualify for a home loan?
- Are you lacking cash to use as a down payment, or have less than 20% equity in your home?
FHA home loans are one of the easiest loans to qualify for, especially if you have faced financial difficulty in the past, have less than perfect credit, or lack equity or cash for closing. These government-insured loan programs enable lenders to take more risk with qualifying people for a loan, which opens up the opportunity for more Americans to own their own home. Your credit score can be as low as 580 to qualify. For a primary residence, you can refinance up to 97.75% of your home’s value, and you can purchase a place with as little as 3.5% down. Pre-payment penalties do not apply, and you can select a fixed rate using a 30, 25, 20 or 15 year term.
What an FHA Refinance Does for You
- Do you want to take advantage of today’s lowest possible interest rate, but have struggled with your credit in the past?
- Do you plan on refinancing, or moving in the next five years?
An FHA variable rate loan gives you the benefit of today’s low-interest rate, while easing up on qualification requirements. FHA home loans are government insured, which mitigates loan risk for lenders. After the initial five-year fixed rate, your interest rate will increase or decrease annually over the duration of the loan, depending on the fluctuation of the interest rate. If you have at least a 580 credit score, and 3.5% down payment for a primary home you may qualify for an FHA variable rate mortgage loan. You can also refinance up to 97.75% of your primary home’s current value. If you are planning a move in the next few years, or simply want to take advantage or today’s low rates, this is a great option for you.
An FHA refinance is available in three types: a fixed rate, an adjustable rate, and as a streamline loan. Each type has its own benefits so homebuyers might find one more suitable than the other. Collectively speaking, an FHA refinance has multiple benefits.
- First, FHA loans have no prepayment penalties. So, if you eventually decide to refinance or sell your home, you no longer have to deal with the fees included in other loan types.
- Second, FHA loans are assumable. The outstanding mortgage and loan terms are transferable from the current homeowner to the new buyer. In other words, the buyer can just continue paying the remaining debt instead of applying for a new loan. As such, the financing arrangement is something you can market if you decide to sell the house at a later date.
- Third, FHA loans generally have a higher approval rate than other types of mortgage programs. This type of loan opens more opportunities to homeownership as long as you meet the requirements, which include a stable source of income and a good credit score, as well as other requirements.
Consider applying for a fixed-rate, adjustable-rate, or streamline FHA refinance today.
City Creek Mortgage
11910 S State St #100, Draper
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We had an amazing experience working with City Creek Mortgage, especially Alexis Carter and Sefa Gasu! They made the entire loan process so smooth and stress-free from start to finish. As first-time homebuyers, we had a lot of … More questions, and both Alexis and Sefa went above and beyond to make sure we understood every step along the way. They were always quick to respond, professional, and genuinely cared about helping us get the best loan possible. Thanks to their dedication and expertise, everything was handled efficiently and we were able to close on our first home without a hitch. We’re so grateful for their help and highly recommend City Creek Mortgage to anyone buying a home! -
City Creek Mortgage truly went above and beyond!
We had a very long and drawn-out process with both our home sale and our new purchase, and through it all, Troy and Sefa at City Creek Mortgage were the absolute glue that held everything … More together. They were always steady, responsive, and proactive — making sure every step stayed on track even when things got complicated.
Their speed, follow-through, and communication were next-level. What really stood out, though, was how genuinely they cared. We never felt like just another file — Troy and Sefa were invested in making sure we got into our home and made it happen, even when the process tested everyone’s patience.
If you want a lending team that combines professionalism, heart, and hustle, City Creek (and especially Troy and Sefa!) are the ones you want in your corner. We couldn’t be more grateful for them! -
Sefa and Devyn at City Creek were easily one of the best teams I’ve ever worked with! They were quick to respond, answered all my questions, and walked me through every step of the refinance process. Everything felt smooth and stress-free … More from start to finish. I’d highly recommend them to anyone looking for a knowledgeable and supportive team!
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After a terrible experience trying to refinance with our existing lender we found City Creek Mortgage and couldn’t be happier. Devyn and her team are wonderful to work with, highly responsive, patient with all your questions, and the whole … More process was a breeze. You’ll feel valued as a customer every step of the way and they go out of their way to earn your business. I would highly recommend them!
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I have nothing but good things to say about City Creek mortgage but especially Alexis and Sefa. I ended up being under contract three times. Had to back out twice because of inspection issues. The third time was a charm and I found my dream … More house and that's everything I wanted in a house. Alexis is so good to work with always getting back to me when I had questions or problems. I recommend City Creek to anyone looking to refinance or buy their first home. Thanks so much for all that you guys have done.
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City Creek Mortgage did an incredible job with our home refinance. I love their online tool that allows for transparency and clarity when trying to see what interest rate and fee structure would work best for us. The cost to close our … More loan was less than expected and we still got a rate that worked for us.
Temara and Marisol were great to work with. They responded to our requests quickly, and they kept us informed at every step of the way. Incredible customer service, that we really do appreciate! Thank you City Creek Mortgage, we will definitely be referring all our family and friends to you!
Marc and Stacy W.
