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Utah FHA Refinance
As of September 7, 2026, a 30-year fixed FHA loan in Utah is 5.875%(6.859%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 a wonderful experience with City Creek Mortgage! Alexis and Sefa were professional, knowledgeable, and incredibly responsive throughout the entire mortgage process. They made everything easy to understand, answered all of our questions, … More and kept us informed every step of the way.
Their dedication and support made our home-buying experience smooth and stress-free. We truly appreciate everything they did for us and highly recommend City Creek Mortgage, especially Alexis and Sefa, to anyone looking for a reliable and caring mortgage team. Thank you! -
Our experience with City Creek Mortgage has always been phenomenal. They go above and beyond to make home buying simple and as stress free as possible. I’ve worked with Devyn, Alex and Lexi and they are all so professional and work so hard. … More They are always available to answer questions, I never had to wait long for a response. I appreciate their dedication to their work and recommend them highly.
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They are the best! I just got the keys of my home! Alexis Carter helped me in this process, she helped me educating me financially, how I could get best chances to be approved, she was communicative with me all the time, she was a great … More help for me because I’m not an US citizen and I had some issues and she could go over all of it and help me to overcome the issues. I cannot thank her enough for everything, and for the time she spent on helping me. She and her team are wonderful! I also thank Sefa for being an amazing loan processor and get everything done so fast, and of course everyone else in the team that made my dream happen.
City creek mortgage is the best! They do care about YOU! 💕 -
City Creek Mortgage was amazing to work with! Their entire staff was kind, communicated efficiently with us and our real estate agents, and made the whole process seamless!! They were able to get everything completed in time for a quick … More closing and were always available for questions to provide clarification when needed. We would highly recommend using City Creek for a smooth and seamless process. A special thank you to Alexis and Sefa for all the work you guys put in to get us to the finish line!!
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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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The entire team at City Creek mortgage was amazing! They got everything done quickly and painlessly. Got us the best deal we could find and were ultra responsive and helpful. Troy, Nicole, and Lexi are the best!
