Fixed Rate Utah Mortgage
Lock In Your Rate. Lock In Peace of Mind.
Get a Fixed Rate Utah Mortgage That Won’t Change—No Matter What the Market Does
Here’s the thing: You’re making the biggest financial decision of your life, and the last thing you need is a mortgage payment that jumps around like a pinball.
Whether you’re buying a home in Salt Lake City, a cottage in Provo, an AirBNB in Ogden, a condo Sandy, a townhome in Lehi, or anywhere else in the Wasatch Front, a fixed rate Utah mortgage gives you rock-solid stability for 15, 20, or 30 years—so you can plan vacations, save for college, and sleep soundly at night.
And here’s where we come in: At ClearPath Utah Mortgage, we shop hundreds of lenders to find you the lowest fixed rate possible, then walk you through every step in plain English—so you actually understand what you’re signing.
These are estimates to help you plan. Your actual rate and payment will vary based on your credit, down payment, and loan program. Numbers don't include taxes, insurance, or HOA fees. Ready for your real numbers? Contact us for a personalized quote - no obligation.
30-Yr Fixed Rates in Utah
Current Utah Conventional 30-Year Fixed Rates
30-Year Fixed — Today’s Rates
The 30-year fixed is the steady one — your rate and principal-and-interest payment stay the same for the life of the loan, which is why most Utah buyers start here.
| Option | Rate | APR | Points |
|---|---|---|---|
| Lowest rate, highest upfront cost | 6.375% | 6.603% | 1.774 |
| Balanced — lower rate | 6.625% | 6.762% | 0.816 |
| Balanced — lower cost | 6.750% | 6.824% | 0.166 |
| Lowest upfront cost | 7.125% | 7.071% | -1.140 |
See Assumptions
6.375% Rate · 6.60% APR — with 1.774 discount points (1.774% = $7,096 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 1.774 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
6.625% Rate · 6.76% APR — with 0.816 discount points (0.816% = $3,264 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 0.816 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
6.750% Rate · 6.82% APR — with 0.166 discount points (0.166% = $664 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 0.166 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
7.125% Rate · 7.07% APR — with a 1.14-point lender credit (1.14% = $4,560 toward closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 1.14-point lender credit. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
Equal Housing Lender.
ClearPath Idaho and ClearPath Utah are part of Capital Financial Group, Inc. – NMLS #3146. Kelly David Sansom, Mortgage Loan Originator, NMLS #2510508.
Quick note: These rates give you a snapshot, but your actual rate depends on your unique situation—credit score, down payment, loan type, all that stuff. Want to know your exact rate? Let’s talk. Get your personalized rate today!
Wondering if you will qualify? Find out in 30-seconds with no personal information.
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Meet Your Mortgage Guide
ClearPath Utah: Your Trusted Partner for Fixed-Rate Mortgage Clarity
Hey there! I’m Kelly, and I’m your Utah mortgage guide. I specialize in helping Utah homebuyers navigate the fixed rate mortgage process without the pressure, confusion, or sales tactics that make this decision harder than it needs to be.
Working with me looks like this. I don’t just process your loan—I educate you through it. Many buyers feel overwhelmed by mortgage jargon and pushy sales tactics. That’s not how we do things here. I’ll walk you through every step, explain things in plain English, and shop hundreds of lenders so you know what your options are before you have to choose between them. You’re not just getting a loan—you’re getting a partner who genuinely cares about your success.
Hey neighbor! I’m Kelly and I am your Utah mortgage guide! I will make sure you feel confident and informed on your mortgage journey.
What Is a Fixed Rate Mortgage? (And How is It Different?)
Let’s get crystal clear on what you’re actually getting:
A fixed rate Utah mortgage means your interest rate is locked in and never changes for the entire life of your loan. If you get a 6.5% rate today, that’s your rate in 5 years, 10 years, even 30 years from now.
An adjustable rate mortgage (ARM) starts with a lower rate, but then it can go up or down based on market conditions after an initial period (usually 5, 7, or 10 years).
Here’s the difference in real life:
- Fixed rate mortgage in Salt Lake City: You buy a $575,000 home at 6.5%. Your principal and interest payment is around $3,635/month. Forever.
- Adjustable rate mortgage: You start at 5.5% ($3,252/month), but after 5 years, it adjusts to 8%. Now you’re paying $4,226/month—an extra $974 every month.
See the risk? With a fixed rate home loan in Utah, you eliminate that uncertainty completely.
Why Utah Families Choose Fixed Rate Mortgages
Whether you’re house hunting in Draper, West Jordan, Orem, or Park City, here’s what a fixed rate mortgage in Utah gives you:
Budget like a pro
Know exactly what you’ll pay every single month. No surprises, no stress, no math headaches. Even if rates skyrocket to 10%, you’re locked in at whatever rate you secured. That’s the power of a fixed rate.
Build equity steadily
Each payment chips away at what you owe—and none of it disappears into an adjustable rate black hole. Sleep better. Seriously. Financial peace is underrated.
Here’s How ClearPath Utah Makes This Simple
Most mortgage companies make you feel like you need a finance degree just to understand your own loan. Not here.
We Keep You in the Loop (Always)
You’ll never wonder “what’s happening with my loan?” We call, text, or email you with updates throughout the process. Think of us as your mortgage GPS—constantly telling you where you are and when you’ll arrive.
We Speak Human, Not Mortgage-ese
“Escrow.” “Amortization.” “PITI.” We’ll explain what these actually mean in words that make sense. By closing day, you’ll feel like a mortgage wizard.
We Shop Hundreds of Lenders (So You Don’t Have To)
Our superpower? We’re a broker, which means we’re not stuck with one bank’s rates. We compare hundreds of lenders and put the ones that fit your file in front of you. It’s like having a personal shopper… but for mortgages.
Translation: More money stays in your pocket.
Is a Fixed Rate Utah Mortgage Right for You?
✓ You want predictable payments you can count on
✓ You’re buying a home and plan to stay put for at least 5–7 years
✓ You don’t want to gamble on whether rates will go up or down
✓ You value peace of mind over trying to “time the market”
✓ You’re buying in competitive markets like Salt Lake County or Utah County where home values continue climbing
Real talk: If you’re only staying 2-3 years, an adjustable rate might save you money. Want to talk through both options? We’ll help you figure out what actually makes sense for your life—whether you need a fixed rate home loan in Provo or an ARM in St. George.
Your Three Paths Forward (Pick What Feels Right)
Path 1: Ready to Roll? Get Pre-Approved for Your Fixed Rate Utah Mortgage
This is the full application—we’ll verify everything and get you a solid pre-approval letter. Takes about 20 minutes, and then you can start house hunting with confidence.
Path 2: Want to Chat First? Schedule a Call
Perfect if you have questions, want to compare loan options, or just want to see if we’re a good fit. Zero pressure, maximum clarity.
Path 3: Just Curious? Find Out in 60 Seconds
Answer a few quick questions (no personal info required) and we’ll let you know if you’re likely to qualify and what you might be able to afford. Easy peasy.
Wondering if you will qualify? Find out in 30-seconds with no personal information.
Will I Qualify?
Get your answer in 30-seconds! Answer some easy questions with no personal information required!
Common Questions About Fixed Rate Utah Mortgages
Some of the important questions we receive about a fixed rate mortgages in Utah.
1. What if rates drop after I lock in?
Great question! You can usually refinance to a lower rate (we’ll help with that too). But here’s the flip side: if rates go UP, you’re protected. That’s the beauty of “fixed.”
2. How much do I really need for a down payment on a fixed rate Utah mortgage?
It depends on the loan type, but as little as 3% (Conventional) or even 0% (VA/USDA). We’ll show you exactly what works for your situation.
3. Can I pay off my fixed rate mortgage early?
Yep! Most fixed rate mortgages don’t have prepayment penalties. Pay extra whenever you want.
4. What's the difference between a 15-year and 30-year fixed rate?
15-year = Higher monthly payments, but you’ll save a TON on interest and own your home twice as fast. Learn more about whether to consider a 30-year or 15-year mortgage.
Why ClearPath Utah Mortgage?
Look, we could list a bunch of fancy credentials here (and we have them—like our 5-star Google rating and A+ BBB rating). But here’s what actually matters to you:
✓ You’ll always know what’s happening – We treat updates like oxygen. You’ll never feel left in the dark. It’s why our clients rave about our communication.
✓ You’ll actually understand your loan – No jargon bombs. Just clear explanations that make sense. We explain mortgages the way you’d explain them to a friend.
✓ You’re choosing terms you’ll live with for years – A fixed loan doesn’t re-price itself later, so the terms your file closes on are the terms you keep for as long as you hold the mortgage. That’s why one application goes out to hundreds of lenders before anybody signs anything.
✓ We’re your Utah neighbors – We live here. We know the market. We’re invested in your success because your success is our community’s success.
✓ Our clients agree – With a perfect 5-star rating on Google and an A+ rating from the Better Business Bureau, we’ve earned the trust of hundreds of Utah families.
And honestly? We just really like helping people buy homes without all the stress and confusion. It’s why we get up in the morning.
Let’s Get You Moving
Every day you wait is another day someone else gets the home you wanted. Plus, rates change daily—so locking in your fixed rate Utah mortgage sooner usually beats waiting.
Whether you’re buying your first home in Taylorsville, upgrading in Bountiful, or relocating to American Fork, here’s the easiest next step: Find out in 60 seconds if you’re ready to move forward. No commitment, no credit check, just answers.
Find out if you qualify in 30-seconds with no personal information.
Will I Qualify?
Get your answer in 30-seconds! Answer some easy questions with no personal information required!
Or if you’re ready to dive in and secure your fixed rate home loan:
Learn More About Fixed Rate Utah Mortgages
Knowledge is power, especially when making important financial decisions. We’ve created (and are creating) comprehensive guides to help you understand every aspect of fixed rate mortgages in Utah.
If you’re just getting started, start with our Utah Fixed Rate Mortgages: A Step-by-Step Guide.
Utah Fixed Rate Mortgages: A Step-by-Step Guide
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