Skip To Content

Mortgage Center

Getting a Utah Mortgage Loan

A key component of the home buying process is securing the right mortgage. We have teamed up with some of the most experienced and trusted loan officers in the state to offer you fantastic mortgage options. A mortgage is a huge commitment both financially and emotionally. Working with our team will be invaluable as we help you navigate through the often difficult and confusing process of determining the exact loan that will best meet your needs.

Get Pre-Approved

As you are well aware, mortgage rates have been historically low recently, making a Utah real estate purchase more affordable now than ever. If you already own a home and would like to lower your payments and interest rate by refinancing we are excited to help you with that process as well.

If you have questions about different types of mortgages available or about refinancing your home, please don’t hesitate to contact us and we will be more than happy to assist you.


Explore Our Mortgage Center

  • FHA
  • VA
  • Conventional
  • Utah Housing
  • Rural Housing
  • Homepath/Homesteps
  • HUD’s $100 Down Loan
  • 203k Rehab Loan
  • Good Neighbor Next Door
  • Refinance
  • Loan Modification


Did you know there are dozens of programs available that offer either low interest loans or lump sum payments to assist home buyers? There are! Please see our Down Payment Assistance and Grants page for more information and be sure to contact us with any questions about these amazing programs!

Mortgage Calculator

It is very important to see how much you will really spend when you buy a home.  We have a tool that will help you see how much a home will really cost. All you have to do is search for homes and when click on Payment Calculator. It will give you a great idea of how much a home will cost you a month. It figures not only the mortgage payment, but the often forgot about taxes and insurance.

Refinancing Options

If you aren’t happy with what you are paying, you can do something about it.  Refinancing your loan may be something you can do to save you tons of money now and later. Check out what Refinancing can do for you today.

Stop Foreclosure

If you are struggling to stay in your home and you are thinking that the only option is foreclosure, there is a better way.  Our team of Short Sale Experts can negotiate with the bank to get your home sold for less than you owe and you won’t have to pay the difference.

This is a very popular option to make sure you don’t have a foreclosure on your credit score and help you get out of the home that is bringing you down.  For more info go see our short sale experts.

Making Home Affordable

Making Home Affordable is a key part of the Obama Administration’s effort to help homeowners avoid foreclosure. There has been a lot of scrutiny about these programs, but if your circumstances are right these programs can be a valuable resource to you if you are struggling with your monthly mortgage payments or have already missed a payment. Please contact us so we can help you determine if the Making Home Affordable program is a good choice for you.


A basic mortgage calculator, such as below, is good to determine your mortgage, but remember that there are other monthly costs to consider trying to determine your monthly payment.

Private Mortgage Insurance (PMI). If you are putting less than 20% down, you will be required to pay PMI, which tends to be about $55 per month for every $100,000 financed (until you pay down 20% of your loan).

Taxes as Home Owners Insurance. The average residential tax rate, plus home owners insurance (sometimes referred to as hazard insurance) usually ranges from $7 to $10 per year for every $1,000 of your property’s assessed value.

Notice we calculate ALL these things when referring to a Monthly Payment. We error on the conservative side to make sure there are no surprises at closing.


It seems lately that most financial experts are suggesting people keep their mortgage payment somewhere between 25% and 35% of their income. RedSign agents suggest trying to stay below 30% since you’ll want to have more discretionary income to pay for all the fun activities to do in Utah.