1. Find Your Best Rate

At Integrity First Lending, we value transparency. Our team provides full disclosure about the current mortgage rates in Utah.

Fill Out Our Mortgage Application Form

This super easy form helps us provide you with an accurate and detailed quote tailored to your specific situation. Don’t worry, you won’t be locked into anything by completing this form, we simply want to help you understand what our company can do for you as you move forward with a new home purchase or refinance. 

After submitting the form, one of our experienced mortgage planners will promptly contact you to help you understand the loan you could pre-qualify for with monthly payments you can afford. If you have any questions, don’t hesitate to give us a call at 801.542.0961. You are always welcome to stop by our friendly office in South Jordan or Tooele too!

Go to Step 2: Secure Your Pre-Approval

Today’s Refinance Rates

Today’s Refinance Rates

15-yr fixed refinance

2.074 APR

30-yr fixed refinance

2.721 APR

Rates subject to change. Refinance based on 740 credit score. Appraised Value $400,000; Loan Amount $300,000.

Our Promise

At Integrity First Lending, we value transparency. Our team provides full disclosure about the current mortgage rates in Utah.

Our lending model puts you at the center of the process, where you understand the financial impact of the home loan you are considering. We are upfront about the costs and rates of our mortgage programs to help you make the right choice.

We offer the best mortgage rates in Salt Lake City. Let us help you save money and stay financially protected.

Mortgage Rates in Salt Lake City

Many of our prospective customers come to our website to find a generic rate. Their ultimate goal is to figure out how to get the best loan options to fit their unique situation. But generic rates do not always translate to the most cost-effective loan option for your situation.

Low Mortgage Rates, Complete Transparency

Here at Integrity Lending, we’d rather provide you an accurate estimate rather than an inexact generic estimate on our website that could misinform your research. We follow a three-step process to find a home loan program that matches your needs. Our team starts by determining your mortgage payment based on current home interest rates in Utah.

Your mortgage rate depends on other factors, too. These include your credit score, loan amount, and down payment.

Determine your rate by speaking to our home loan experts. We’ll match you with a mortgage program and a rate that aligns with your financial goals.

    We have many different loan options to fit different credit scores. We look forward to having the opportunity to work with you and find the best loan your for situation.
  • Put N/A if you haven't worked with us before.

No-Cost and Zero Down Mortgage Programs in Utah

Can you buy a house with no money down? You can, with the right loan and the right lender.

Turn to our competent, caring, and trusted Utah mortgage professionals for guidance. We’re happy to help you choose a mortgage program that suits your needs and budget.

Even if you’re strapped-for-cash or have a less-than-ideal credit score, your dream of homeownership is still within arm’s reach. We offer mortgages with little to no money down. These include:

No-Cost Mortgage Programs

Our no-cost mortgage loans relieve you of settlement costs. If you want to refinance your current home loan, but you lack the cash to pay for closing fees or do not want to add to the existing loan amount, this option is ideal for you.

This program shoulders your loan settlement costs, in exchange for a higher interest rate on your loan. Instead of paying a lump sum up front, you only have to pay a little extra over time, for greater cost savings in the long run.

If you are planning to stay in your home for more than five years, a no-cost mortgage is right for you. But if you can pay the closing costs and fees and recover the costs in about five years, then traditional financing would be the more practical choice.

Zero Down Payment Loans

We offer zero down payment mortgages that require no money down and offer 100% loan coverage. This means that you can obtain a mortgage for 100% of your home’s purchase price — a lifeline for some borrowers.

Integrity First Lending offers VA loans in Utah. Active-duty military personnel and veterans with honorable discharges may qualify. Surviving spouses of military personnel who have passed on can also apply for the loan.

With a VA loan, you won’t have to pay for private mortgage insurance, which can cost up to hundreds of dollars every month.

Learn more about our mortgage programs. Call us today.

Go to Step 2: Secure Your Pre-Approval

What Our Clients Say About Us

  • “There is a lot of hype about what a great lending company such-and-such is, but I can tell you from my recent personal experience that Integrity First Lending refinanced my home within in 10 days with no hassle. And I mean NO HASSLE. The individuals working for this organization are both professional and, if I may add personally, the nicest people I have ever worked with. Words cannot express how happy my wife and are that we found Integrity First Lending and will unhesitatingly recommend them to anyone looking for an initial or refinanced home loan.”
    Joe L.
  • “What a fantastic team to work with. The commitment and communication with clients are the best. You will be in good hands working with Integrity First Lending. Highly recommended!”
    Mike M.
  • “This is our second time working with Integrity First. Both times we shopped around, checking for the best rates. Integrity had the lowest fees, lower even than the mortgage company who already held our loan. We received excellent customer care each time.”
    Mica T.
  • “Very easy company to work with! Painless refinance process and fast closing!”
    Cody W.
  • “Integrity First Lending is professional, helpful, and knowledgeable. They communicated clearly and regularly, so that I always knew what was happening. They responded promptly to my questions. The process went very smoothly because of their expertise. I highly recommend this team!”
    Becky B.
  • “The Integrity First team epitomizes a "customer-first" attitude. The team's responsiveness and timely communication make them stand out above the rest.”
    Bruce C.
  • “Integrity First has a great team on individuals who made our refinance quick and easy. We were able to do everything ok online through their portal right up until we closed with the title company.”
    Alison D.
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