A Mortgage That Feels Like Home—From People Who Share Your Values
Homeownership is more than a transaction; it's a cornerstone of family stability and gospel living. At Deseret First, you get competitive rates, transparent fees, and a lending team that knows Utah's market inside out. Whether you're buying your first condo, building a forever home, or refinancing to free cash for new goals, our local experts walk with you—every step, every prayer, every signature.
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Purchase Loan
Step Into Homeownership With Confidence
Buying a home can feel overwhelming—but with DFCU, you're never on your own. Get pre-approved in as little as 24 hours, lock in a competitive rate, and close with confidence backed by Utah's trusted credit union.
Choose from fixed or adjustable terms up to 30 years, financing options on conventional loans, and real-time updates from your dedicated loan officer.
Simplify the process. Secure your home. Start your next chapter.
First‑Time Homebuyer Program
Your First Keys, Minus the Stress
DFCU's First-Time Homebuyer Program helps members take that important first step with low down payments, reduced PMI, and free homebuyer education designed around principles of financial stewardship.
Start with as little as 3% down, access closing-cost grants, and build credit along the way with personal coaching and budgeting support.
Your dream home begins with the right foundation.
Construction Loan
Build the Home That Fits Your Vision
From blueprint to blessing, our one-time-close construction loan simplifies the journey. It finances land and building costs, then automatically converts to a permanent mortgage once construction is complete—saving time, fees, and stress.
Enjoy interest-only payments while you build, rate-lock options upfront, and quick draw funding for your contractor—often within 48 hours.
Build with confidence, supported by people who understand your goals.
Refinance Loan
Lower Payments, Shorten Term, or Tap Equity
Your mortgage should evolve as your needs do. Refinance with DFCU to reduce payments, shorten your term, or access up to 80% of your home's value for renovations, missions, or education.
We offer streamlined refis with minimal paperwork for DFCU-serviced loans and transparent, fast appraisals through our in-house network.
Same home. Better loan. Renewed freedom.
FHA Loan
Flexible Credit, Modest Down Payment
Designed for growing families and first-time buyers, FHA loans allow homeownership with as little as 3.5% down and flexible credit qualifications.
Combine gift funds, seller credits, or down-payment assistance to make closing easier—and once you reach 20% equity, DFCU will review your mortgage insurance for possible removal.
Affordable paths to stable, values-driven homeownership.
VA Loan
0 % Down for Those Who've Served
We're honored to serve veterans with a VA loan that requires no down payment, no PMI, and caps closing fees. DFCU waives its origination fee for active duty and veterans.
Jumbo Loan
More House, Same Values
High‑value property? Our jumbo mortgages handle amounts above conforming limits with competitive rates, 15‑ or 30‑year fixed, or 5/6 ARM structures. Manual underwriting considers assets beyond simple W‑2s—ideal for entrepreneurs or Church employees with unique compensation.
Adjustable‑Rate Mortgage (ARM)
Lower Intro Rates, Built‑In Flexibility
If you plan to move, refinance, or pay off quickly, an ARM delivers a reduced starting APR for 5, 7, or 10 years, then adjusts annually with caps.
Why Choose a DFCU Mortgage
Why Utah Families Choose DFCU for Their Mortgage
Values‑based guidance
Advisors help balance payments with long‑term family goals.
Rate float‑down & re‑lock
Take advantage if markets dip before closing.
Free annual check‑up
We proactively review refinance or MI removal opportunities.
Plant Roots With a Mortgage from DFCU
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
View High-Yield Savings Accounts
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Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
APR = Annual Percentage Rate. Rates, limits, and guidelines effective today; subject to change. All loans OAC. Membership and eligibility required.