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Utah FHA Refinance
As of July 7, 2026, a 30-year fixed FHA loan in Utah is 5.5%(6.472%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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They were so great to work with! Marisol and Temara were supportive and always kept us up-to-date and informed. My wife and I are expecting our first child this year and because of City Creek we were able To find our perfect home to start … More growing, our family. Would absolutely recommend To anyone, not pushy and always made sure that we made a decision we are comfortable with -
City Creek was honestly the best part of my first time home buying experience! Carlin and Devyn were both great to work with and answered all of my questions and kept me stress free. I loved the transparency and accuracy of their website, … More and it was so much easier to use then every other website I tried. The best part is, of all of the rates I shopped, theirs was also the lowest. When so many other things didn’t seem to go as smoothly as we wanted with our home buying experience, City Creek was patient and perfect the whole way through. Truly a great experience and I highly recommend them!
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I had a great experience working with City Creek Mortgage for my home loan. Communication throughout the entire process was excellent—the team was proactive and kept me informed every step of the way. Thanks to their efficiency and hard … More work, we were even able to close more than a week early! I highly recommend their services to anyone looking for a smooth and professional mortgage experience.
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Working with City Creek Mortgage on my mortgage refinance was an amazing experience from start to finish. Troy Norris, our mortgage officer, was incredibly knowledgeable, patient, and truly went above and beyond to make sure we understood … More every step of the process. His assistant, Marisol, was just as fantastic—she was always quick to respond, organized, and kept everything moving smoothly.
The communication from the entire team was outstanding. We were always kept in the loop, and any questions we had were answered quickly and clearly. What really stood out was how hard they worked to get us the best possible outcome—they were able to lower both our interest rate and our monthly payment, which made a huge difference for our family.
Even their title company was great to work with, making the closing process simple and stress-free. The whole experience felt seamless because everyone involved was professional, responsive, and genuinely cared about helping us.
I would absolutely recommend City Creek Mortgage to anyone looking for a lender that truly puts their clients first. -
We had a very positive experience with City Creek Motgage. Alexis and Sefa were easy to work with and listened to our concerns, fixed the issues that we had and made the whole process very smooth. We appreciate all that they did for us … More and will work with him in the future. We highly recommend them to anyone else looking for a mortgage.
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I am so happy to have City Creek Mortgage working on my home loan. Thank you so much to Alex, Marisol, Austin and everyone in the team to make the transaction went smoothly from the start to finish. Their rates and fees are very reasonable, … More I would definitely recommend and work with them again in the future.
