{"id":26740,"date":"2022-03-18T20:13:58","date_gmt":"2022-03-18T20:13:58","guid":{"rendered":"https:\/\/citycreekmortgage.com\/?page_id=26740"},"modified":"2024-01-29T14:30:30","modified_gmt":"2024-01-29T21:30:30","slug":"conventional-refinance","status":"publish","type":"page","link":"https:\/\/citycreekmortgage.com\/refinance\/conventional-refinance\/","title":{"rendered":"Conventional Refinance"},"content":{"rendered":"

As of January 9, 2026, the rates in Utah are 5.75% (5.877% APR) for a 30-year fixed rate mortgage and 5.125% (5.125% APR) for a 15-year fixed-rate loan. See our Rate Assumptions<\/a> to understand how we generate our rates.<\/em>
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\n 30 Yr Fixed Conventional <\/span>\n
Change program \"Change<\/div>\n <\/div>\n\n
\n \"Loading\n <\/div>\n
\n \n
\n 1.975 Pts\n <\/div>\n
\n 5.500%<\/sup><\/span>\n <\/div>\n
\n APR 5.719%\n <\/div>\n
\n Lowest rate, highest upfront cost\n <\/div>\n
\n Check Closing Costs \"See\n <\/div>\n <\/a>\n
\n 0.966 Pts\n <\/div>\n
\n 5.750%<\/sup><\/span>\n <\/div>\n
\n APR 5.877%\n <\/div>\n
\n Low rate with upfront cost\n <\/div>\n
\n Check Closing Costs \"See\n <\/div>\n <\/a>\n
\n -0.043 Pts\n <\/div>\n
\n 5.990%<\/sup><\/span>\n <\/div>\n
\n APR 6.027%\n <\/div>\n
\n Balanced rate and upfront costs\n <\/div>\n
\n Check Closing Costs \"See\n <\/div>\n <\/a>\n
\n -1.098 Pts\n <\/div>\n
\n 6.375%<\/sup><\/span>\n <\/div>\n
\n APR 6.375%\n <\/div>\n
\n Lowest upfront cost\n <\/div>\n
\n Check Closing Costs \"See\n <\/div>\n <\/a>\n\n <\/div>\n
\n Rates as of January 8, 2026 See Rate Assumptions<\/a>\n <\/div>\n\n <\/div>\n<\/div>\n\n
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\n Change program & term\n <\/div>\n\n \"Close\n\n\n <\/div>\n
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\n Loan Term\n <\/div>\n