Conventional Mortgages
Find Your Path Home
Whether it's your first home or fifth investment property, Deseret First helps you secure the right financing. With competitive rates, down payments as low as 3%, and local underwriting, we provide mortgages that fit your goals and your budget. From starter homes to luxury investments, our lending team understands the local market and walks with you through every step.
Fixed‑Rate Conventional Mortgages
For buyers who want stability, a fixed-rate mortgage locks in today's rate for the life of the loan. Your monthly payment will never change, making it easier to plan and build long-term equity. Terms are available for 10, 15, 20, or 30 years, and qualified buyers can put down as little as 3%. Conventional loan limits go up to $832,750, with high-balance options available up to $1,249,125.
Adjustable‑Rate Mortgages (ARMs)
If you plan to move within a few years or expect your income to grow, an adjustable-rate mortgage can maximize your buying power. ARMs start with a lower fixed rate for 5, 7, or 10 years, then adjust with the market. They require a minimum 5% down payment and often provide significant savings during the initial period—ideal for shorter ownership timelines or strategic buyers.
Loan Options for Every Situation
DFCU finances more than just primary residences. Whether you're purchasing a vacation cabin, an investment property, or a high-value home requiring jumbo financing, we have solutions tailored to your needs. With one lender handling all property types, you simplify your borrowing process and keep everything under one roof.
Local Expertise & Support
Our mortgage officers live and work in Utah communities, so lending decisions are made here—not in a distant call center. You'll benefit from fast pre-approvals, in-person consultations at any branch, and dedicated support from your first application through closing. It's mortgage lending with a personal touch, built on relationships and trust.
Calculate Your Payment
Shopping is easier when you know your numbers. Our mortgage calculator estimates your monthly payment by factoring in principal, interest, taxes, and insurance. You can also test down payment scenarios to see how extra cash upfront lowers your monthly costs, and compare fixed versus ARM options to find your best fit. Pre-qualification is available to help you shop with confidence.
Mortgage Calculator
Find a house payment to fit your budget with this calculator!
PrincipalInterestEscrow
Estimated payoff date:
07/27/2056
Total interest:
$382,184
Total to be repaid:
$662,184
The information provided in this calculator is an estimate and is for illustrative purposes only. Its accuracy is not guaranteed, and it should not be considered financial, legal, or tax advice. There may be other costs associated with obtaining the loan not included here. Figures shown are hypothetical and may not apply to your situation. This calculator does not pre-qualify you for any loan program. Before making any financial decisions, consult with a qualified financial advisor, accountant, attorney, or other appropriate professional.
Your Home Journey Starts With the Right Partner
From first-time buyer programs to investment property financing, DFCU offers competitive rates, flexible terms, and local decisions by people who understand your values. Whether you're looking for 3% down options or jumbo financing, we'll guide you home with expertise and integrity.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
Payment examples listed below are illustrative only and do not include amounts for taxes and insurance premiums, thus, your actual payment obligation will be greater.
30-year Fixed Payment Example: Monthly payments for a $180,000 loan would be $1079.19 for 360 months. Assuming an interest rate of 6.00% (6.122% Annual Percentage Rate).
15-year Fixed Payment Example: Monthly payments for a $180,000 loan would be $1518.94 for 180 months. Assuming an interest rate of 6.00% (6.204% Annual Percentage Rate).
Rates subject to change. Payment examples exclude taxes and insurance. Actual payments will be higher. APR based on creditworthiness. Offer subject to change. Membership and eligibility required. OAC.