Good news for Utah homebuyers and homeowners — mortgage rates remain stable this week, offering a solid opportunity to lock in your rate. As of July 19, 2026, 30-year fixed rates are at 6.50%, with 15-year fixed options at 5.875% for those looking to pay off their home faster. VA loans continue to offer excellent value for eligible military borrowers at 6.00%.
Source: Zillow.com, July 19, 2026
With rates holding steady, now is a great time to explore your options. Whether you are buying your first home or refinancing your current mortgage, our team is here to help you find the right loan for your situation.
| Loan Type | Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.500% | 6.695% |
| 15-Year Fixed | 5.875% | 6.181% |
| VA 30-Year | 6.000% | 6.293% |
Ready to get started? View our real-time rates page or apply now for a personalized quote.
Rates shown are for informational purposes and subject to change without notice. Displayed rates are based on a 740 credit score, $400,000 appraised value, $300,000 loan amount. Individual rates depend on credit score, loan amount, down payment, loan type, and other factors. Contact an Integrity First Lending loan officer for a personalized rate quote.
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