{"id":26742,"date":"2023-03-18T20:27:27","date_gmt":"2023-03-19T02:27:27","guid":{"rendered":"https:\/\/citycreekmortgage.com\/?page_id=26742"},"modified":"2024-01-29T14:31:46","modified_gmt":"2024-01-29T21:31:46","slug":"fha-refinance","status":"publish","type":"page","link":"https:\/\/citycreekmortgage.com\/refinance\/fha-refinance\/","title":{"rendered":"Utah FHA Refinance"},"content":{"rendered":"<p><em>As of January 9, 2026, a<\/em><em>\u00a030-year fixed FHA loan in Utah is 5.125%(6.048%APR).<\/em><\/p>\n<p>Customize Utah FHA loan rates for 30-year, 20-year or 15-year terms. You&#8217;ll also find the maximum and minimum lending limits set by the Federal Housing Administration for every county in Utah.<\/p>\n<p><div id=\"todaysRates\"><\/div>\n<div class=\"wrap\" >\n    <div class=\"four-blocks\">\n\n        <div class=\"todays-rates-title\">\n            <span class=\"rate-title\">30 Yr Fixed FHA <\/span>\n            <div class=\"openSelectors rates-button\">Change program <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/themes\/city-creek\/assets\/img\/rateOptions.svg\" alt=\"Change Visible Rates\" class=\"openSelectors img-fluid\"><\/div>\n        <\/div>\n\n        <div class=\"rate-loader\">\n            <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/themes\/city-creek\/assets\/img\/loading.gif\" alt=\"Loading Rates\" class=\"img-fluid\">\n        <\/div>\n        <div class=\"todays-rates-boxes\">\n            <a href=\"\/find-your-best-rate\/\" class=\"todays-rates-box\">\n                <div class=\"todays-rates-box-sub-title\">\n                    1.426 Pts\n                <\/div>\n                <div class=\"todays-rate\">\n                    <span>5.125<sup>%<\/sup><\/span>\n                <\/div>\n                <div class=\"todays-apr\">\n                    APR 6.048%\n                <\/div>\n                <div class=\"todays-cta\">\n                    Lowest rate, highest upfront cost\n                <\/div>\n                <div class=\"todays-rates-button\">\n                    Check Closing Costs <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/themes\/city-creek\/assets\/img\/arrow.svg\" alt=\"See Rate Details Arrow\" class=\"img-fluid\">\n                <\/div>\n            <\/a><a href=\"\/find-your-best-rate\/\" class=\"todays-rates-box\">\n                <div class=\"todays-rates-box-sub-title\">\n                    0.953 Pts\n                <\/div>\n                <div class=\"todays-rate\">\n                    <span>5.250<sup>%<\/sup><\/span>\n                <\/div>\n                <div class=\"todays-apr\">\n                    APR 6.129%\n                <\/div>\n                <div class=\"todays-cta\">\n                    Low rate with upfront cost\n                <\/div>\n                <div class=\"todays-rates-button\">\n                    Check Closing Costs <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/themes\/city-creek\/assets\/img\/arrow.svg\" alt=\"See Rate Details Arrow\" class=\"img-fluid\">\n                <\/div>\n            <\/a><a href=\"\/find-your-best-rate\/\" class=\"todays-rates-box\">\n                <div class=\"todays-rates-box-sub-title\">\n                    -0.474 Pts\n                <\/div>\n                <div class=\"todays-rate\">\n                    <span>5.625<sup>%<\/sup><\/span>\n                <\/div>\n                <div class=\"todays-apr\">\n                    APR 6.39%\n                <\/div>\n                <div class=\"todays-cta\">\n                    Balanced rate and upfront costs\n                <\/div>\n                <div class=\"todays-rates-button\">\n                    Check Closing Costs <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/themes\/city-creek\/assets\/img\/arrow.svg\" alt=\"See Rate Details Arrow\" class=\"img-fluid\">\n                <\/div>\n            <\/a><a href=\"\/find-your-best-rate\/\" class=\"todays-rates-box\">\n                <div class=\"todays-rates-box-sub-title\">\n                    -0.808 Pts\n                <\/div>\n                <div class=\"todays-rate\">\n                    <span>5.750<sup>%<\/sup><\/span>\n                <\/div>\n                <div class=\"todays-apr\">\n                    APR 6.487%\n                <\/div>\n                <div class=\"todays-cta\">\n                    Lowest upfront cost\n                <\/div>\n                <div class=\"todays-rates-button\">\n                    Check Closing Costs <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/themes\/city-creek\/assets\/img\/arrow.svg\" alt=\"See Rate Details Arrow\" class=\"img-fluid\">\n                <\/div>\n            <\/a>\n\n        <\/div>\n        <div class=\"todays-rates-info\">\n            Rates as of January 8, 2026&nbsp;<a href=\"\/rate-assumptions\/\">See Rate Assumptions<\/a>\n        <\/div>\n\n    <\/div>\n<\/div>\n\n<div class=\"rate-selector\">\n    <div class=\"rate-box\">\n        <div class=\"top-section\">\n\n            <div class=\"top-section-left-title\">\n                Change program & term\n            <\/div>\n\n            <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/themes\/city-creek\/assets\/img\/closeModel.svg\" alt=\"Close Selector\" class=\"closeSelectors img-fluid\">\n\n\n        <\/div>\n        <div class=\"selections\">\n            <form id=\"rate-block-form\">\n\n                <div class=\"program-selector loanTerm\">\n                    <div class=\"section-title\">\n                        Loan Term\n                    <\/div>\n                    <label class=\"program-selector-box active\" >\n                        <input type=\"radio\" required name=\"loanTerm\" checked  value=\"30-yr\" data-target=\"yearAr\" data-title=\"30 Yr\"> 30 yr\n                    <\/label>\n                    <label class=\"program-selector-box \">\n                        <input type=\"radio\" name=\"loanTerm\"  value=\"20-yr\" data-target=\"yearAr\" data-title=\"20 Yr\"> 20 yr\n                    <\/label>\n                    <label class=\"program-selector-box \">\n                        <input type=\"radio\" name=\"loanTerm\"  value=\"15-yr\" data-target=\"yearAr\" data-title=\"15 Yr\"> 15 yr\n                    <\/label>\n                <\/div>\n\n                <div class=\"program-selector loanType\">\n                    <div class=\"section-title\">\n                        Loan Type\n                    <\/div>\n                    <label class=\"program-selector-box big \">\n                        <input type=\"radio\" required name=\"loanType\"  value=\"conv\" data-target=\"loanTypeAr\" data-title=\"Conv\"> <div>Conventional<br><small>Most common<\/small><\/div>\n                    <\/label>\n                    <label class=\"program-selector-box big \">\n                        <input type=\"radio\" name=\"loanType\"  value=\"jumbo\" data-target=\"loanTypeAr\" data-title=\"Jumbo\"> Jumbo\n                    <\/label>\n                    <label class=\"program-selector-box big active\">\n                        <input type=\"radio\" name=\"loanType\" checked value=\"fha\" data-target=\"loanTypeAr\" data-title=\"FHA\"> FHA\n                    <\/label>\n                    <label class=\"program-selector-box big \">\n                        <input type=\"radio\" name=\"loanType\"  value=\"va\"  data-target=\"loanTypeAr\" data-title=\"VA\"> VA\n                    <\/label>\n                <\/div>\n\n                <div class=\"program-selector rateType\">\n                    <div class=\"section-title\">\n                        Rate Type\n                    <\/div>\n                    <label for=\"selector-fixed\" class=\"program-selector-box active\">\n                        <input id=\"selector-fixed\" type=\"radio\" required name=\"rateType\" data-target=\"rateTypeAr\" data-title=\"Fixed\" checked value=\"fixed\"> Fixed\n                    <\/label>\n                    <label for=\"selector-arm\" class=\"program-selector-box \">\n                        <input id=\"selector-arm\" type=\"radio\" name=\"rateType\" data-target=\"rateTypeAr\" data-title=\"ARM\"  value=\"arm\"> ARM\n                    <\/label>\n                <\/div>\n\n                <div class=\"program-selector armRate\">\n                    <div class=\"section-title\">\n                        ARM Rate\n                    <\/div>\n                    <label class=\"program-selector-box \">\n                        <input type=\"radio\" required name=\"armRate\"  value=\"56\" data-target=\"armAr\" data-title=\"5\/6\"> 5\/6\n                    <\/label>\n                    <label class=\"program-selector-box \">\n                        <input type=\"radio\" name=\"armRate\"  value=\"76\" data-target=\"armAr\" data-title=\"7\/6\"> 7\/6\n                    <\/label>\n                    <label class=\"program-selector-box \">\n                        <input type=\"radio\" name=\"armRate\"  value=\"106\" data-target=\"armAr\" data-title=\"10\/6\"> 10\/6\n                    <\/label>\n                <\/div>\n\n                <button type=\"button\" class=\"selectBtn\">Show <span class=\"yearAr\">30 Yr<\/span> <span class=\"rateTypeAr\">Fixed<\/span> <span class=\"armAr\"><\/span> <span class=\"loanTypeAr\">FHA<\/span>   Rates<\/button>\n                <input type=\"submit\" style=\"display: none;\">\n            <\/form>\n        <\/div>\n    <\/div>\n\n<\/div>\n\n    <br \/>\n<em><strong>Looking to Refinance Your FHA Loan or Remove PMI? <a href=\"https:\/\/citycreekmortgage.com\/find-your-best-rate\/purchaseOrRefinance\">Use Our FHA Refinance Calculator<\/a><\/strong><\/em><\/p>\n<h3>An FHA refinance is available in fixed rate, adjustable rate, and as a streamline.<\/h3>\n<h3 style=\"text-align: center; margin-bottom: 5px;\"><strong><em>\u2193 Try Our Utah FHA Mortgage Calculator \u2193<\/em><\/strong><\/h3>\n<div class=\"purchase-loan\">\n    <div class=\"wrap\">\n        \n        \n        \n        <div class=\"purchase-loan-box\" style=\"margin-bottom:100px; padding-bottom: 60px;\">\n            <div class=\"purchase-loan-title\">\n                I want to...            <\/div>\n           \n            <div class=\"btn-group\" style=\"flex-direction:column; justify-content:center; align-items:center; max-width: 200px; margin:0 auto; \">\n                                    <a href=\"https:\/\/citycreekmortgage.com\/todays-rates\/citycreekmortgage.com\/find-your-best-rate\/?purchaseOrRefinance=refinance\" class=\"btn btn-large btn-fybr\" style=\"margin-bottom:15px;\"><svg width=\"39px\" height=\"34px\" viewBox=\"0 0 39 34\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\"><title>Refi<\/title><g id=\"FYBR-Reskin---simple\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"Icons\" transform=\"translate(-74.000000, -33.000000)\"><g id=\"Refi\" transform=\"translate(74.000000, 34.000000)\"><g id=\"House-Copy\" transform=\"translate(10.030273, 8.129032)\" stroke=\"#4EA2CC\" stroke-width=\"0.75\"><polyline id=\"Path-13\" stroke-linecap=\"round\" points=\"0 7.10929846 10 0.109298456 20 7.10929846\"><\/polyline><polyline id=\"Path\" points=\"17 5.10929846 17 15.1092985 3 15.1092985 3 5.10929846\"><\/polyline><polyline id=\"Path\" fill=\"#4EA2CC\" points=\"3 5.10929846 3 0.109298456 5 0.109298456 5 3.68962072\"><\/polyline><polyline id=\"Path\" points=\"7 15.1092985 7 10.1092985 12 10.1092985 12 15.1092985\"><\/polyline><\/g><path d=\"M34.5977208,9.37319028 C32.0782904,3.84371556 26.5031559,0 20.0302734,0 C11.1937174,0 4.03027344,7.163444 4.03027344,16\" id=\"Path\" stroke=\"#4EA2CC\"><\/path><path d=\"M35.0302734,25.3731903 C32.5108431,19.8437156 26.9357086,16 20.4628261,16 C11.6262701,16 4.46282612,23.163444 4.46282612,32\" id=\"Path\" stroke=\"#4EA2CC\" transform=\"translate(19.746550, 24.000000) rotate(-180.000000) translate(-19.746550, -24.000000) \"><\/path><polygon id=\"Triangle\" fill=\"#4EA2CC\" transform=\"translate(34.530273, 11.000000) rotate(-195.000000) translate(-34.530273, -11.000000) \" points=\"34.5302734 9 38.0302734 13 31.0302734 13\"><\/polygon><polygon id=\"Triangle-Copy-4\" fill=\"#4EA2CC\" transform=\"translate(4.500000, 21.039795) rotate(-23.000000) translate(-4.500000, -21.039795) \" points=\"4.5 19.0397949 8 23.0397949 1 23.0397949\"><\/polygon><\/g><\/g><\/g><\/svg>\n                    Refinance<\/a>\n                                                    <a href=\"https:\/\/citycreekmortgage.com\/find-your-best-rate?purchaseOrRefinance=purchase\" class=\"btn btn-large btn-fybr\"><svg width=\"34px\" height=\"20px\" viewBox=\"0 0 34 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\"><title>Purchase<\/title><g id=\"FYBR-Reskin---simple\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"Icons\" transform=\"translate(-20.000000, -40.000000)\" stroke=\"#4EA2CC\"><g id=\"Purchase\" transform=\"translate(21.000000, 41.000000)\"><polyline id=\"Path-13\" stroke-linecap=\"round\" points=\"5.29891304 7.95397551 16.7798913 0 28.2608696 7.95397551\"><\/polyline><polyline id=\"Path\" points=\"24.7282609 5.29891304 24.7282609 17.6630435 8.83152174 17.6630435 8.83152174 5.29891304\"><\/polyline><line x1=\"2.51006945e-15\" y1=\"17.6630435\" x2=\"32.2893889\" y2=\"17.6630435\" id=\"Path-14\" stroke-linecap=\"round\"><\/line><polyline id=\"Path\" fill=\"#4EA2CC\" points=\"8.83152174 5.29891304 8.83152174 9.09900175e-15 10.5978261 2.79245226e-14 10.5978261 3.79436327\"><\/polyline><polyline id=\"Path\" points=\"14.1304348 17.6630435 14.1304348 11.6630435 19.4293478 11.6630435 19.4293478 17.6630435\"><\/polyline><\/g><\/g><\/g><\/svg>\n                    Purchase<\/a>\n                            <\/div>\n            \n        <\/div>\n    <\/div>\n<\/div>\n\n\n<h2>FHA Streamline<\/h2>\n<ul>\n<li>Are you currently in an FHA loan?<\/li>\n<li>Do you want to lower your monthly payment, even if you are upside down in your current loan?<\/li>\n<li>Has your home lost value since your original purchase?<\/li>\n<li><span id=\"u20756-7\">Is today\u2019s interest rate lower than when you closed on your current loan?<\/span><\/li>\n<\/ul>\n<p>FHA streamline refinance is a program designed for homeowners who have an FHA loan, whose homes have depreciated in value since they closed on their loan, or who are currently paying a higher interest rate than is presently offered.<\/p>\n<ul>\n<li>You can choose an arm or 15-year or a 30-year fixed term.<\/li>\n<li>You are not required to have your home re-appraised.<\/li>\n<li>You do have to meet debt to income requirements.<\/li>\n<\/ul>\n<p>We take pride in being Utah\u2019s authority in FHA mortgage refinancing. You can bank on our wealth of experience and unparalleled expertise in FHA Streamline Refinance to help you cut down the interest rate on your current mortgage. This refinancing option requires less paperwork to reduce your headaches and further minimize your expenses.<\/p>\n<p>Our experienced mortgage planners will definitely put your best interest above everything else. We do everything we can to make this process as trouble-free as possible.<\/p>\n<p>Whether you need some information about mortgage refinancing in Utah, or you are ready to begin with the process, you can count on our team to help you every step of the way. Contact us today to get started!<\/p>\n<p style=\"text-align: center;\"><a class=\"btn btn-small btn-orange-solid\" style=\"display: inline-block; width: 400px;\" href=\"{{apply}}\">Start an FHA Refinance Application<\/a><\/p>\n<h2>FHA Adjustable Rate<\/h2>\n<ul>\n<li>Do you have less than perfect credit and still want to qualify for a home loan?<\/li>\n<li>Are you lacking cash to use as a down payment, or have less than 20% equity in your home?<\/li>\n<\/ul>\n<p>FHA home loans are one of the easiest loans to qualify for, especially if you have faced financial difficulty in the past, have less than perfect credit, or lack equity or cash for closing. These <a href=\"https:\/\/www.consumerfinance.gov\/owning-a-home\/loan-options\/fha-loans\/#:~:text=FHA%20loans%20are%20loans%20from,money%20directly%E2%80%93private%20lenders%20do.\">government-insured loan programs<\/a> enable lenders to take more risk with qualifying people for a loan, which opens up the opportunity for more Americans to own their own home. Your credit score can be as low as 580 to qualify. For a primary residence, you can refinance up to 97.75% of your home\u2019s value, and you can purchase a place with as little as 3.5% down. Pre-payment penalties do not apply, and you can select a fixed rate using a 30, 25, 20 or 15 year term.<\/p>\n<h2>What an FHA Refinance Does for You<\/h2>\n<ul>\n<li>Do you want to take advantage of today\u2019s lowest possible interest rate, but have struggled with your credit in the past?<\/li>\n<li>Do you plan on refinancing, or moving in the next five years?<\/li>\n<\/ul>\n<p>An FHA variable rate loan gives you the benefit of today\u2019s low-interest rate, while easing up on qualification requirements. <a href=\"https:\/\/citycreekmortgage.com\/purchase\/fha-purchase\/\">FHA home loans<\/a> are government insured, which mitigates loan risk for lenders. After the initial five-year fixed rate, your interest rate will increase or decrease annually over the duration of the loan, depending on the fluctuation of the interest rate. If you have at least a 580 credit score, and 3.5% down payment for a primary home you may qualify for an FHA variable rate mortgage loan. You can also refinance up to 97.75% of your primary home\u2019s current value. If you are planning a move in the next few years, or simply want to take advantage or today\u2019s low rates, this is a great option for you.<\/p>\n<p>An FHA refinance is available in three types: a fixed rate, an adjustable rate, and as a streamline loan. Each type has its own benefits so homebuyers might find one more suitable than the other. Collectively speaking,\u00a0 an FHA refinance has multiple benefits.<\/p>\n<ul>\n<li><strong>First<\/strong>, FHA loans have no prepayment penalties. So, if you eventually decide to refinance or sell your home, you no longer have to deal with the fees included in other loan types.<\/li>\n<li><strong>Second<\/strong>, FHA loans are assumable. The outstanding mortgage and loan terms are transferable from the current homeowner to the new buyer. In other words, the buyer can just continue paying the remaining debt instead of applying for a new loan. As such, the financing arrangement is something you can market if you decide to sell the house at a later date.<\/li>\n<li><strong>Third<\/strong>, FHA loans generally have a higher approval rate than other types of mortgage programs. This type of loan opens more opportunities to homeownership as long as you meet the requirements, which include a stable source of income and a good credit score, as well as other requirements.<\/li>\n<\/ul>\n<p>Consider applying for a fixed-rate, adjustable-rate, or streamline FHA refinance today.<\/p>\n<p style=\"text-align: center;\"><a class=\"btn btn-small btn-orange-solid\" style=\"display: inline-block; width: 400px;\" href=\"{{apply}}\">FHA Refinance Apply Now<\/a><\/p>\n<div id=\"google-business-reviews-rating\" class=\"google-business-reviews-rating gmbrr columns three bubble center\">\r\n\t<h2 class=\"heading\"><span class=\"icon\"><img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/05\/favicon_180.png\" alt=\"City Creek Mortgage Icon\"><\/span>City Creek Mortgage<\/h2>\r\n\t<p class=\"vicinity\">11910 S State St #100, Draper<\/p>\r\n\t<p class=\"rating\"><span class=\"number\">5.0<\/span> <span class=\"all-stars animate\"><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><\/span> <a href=\"https:\/\/search.google.com\/local\/reviews?placeid=ChIJWRIE_KeHUocRRPrv_YRj8vs\" target=\"_blank\" rel=\"nofollow\" class=\"count\">2,792 reviews<\/a><\/p>\r\n<ul class=\"listing\">\r\n\t\t<li class=\"rating-5\" data-index=\"0\">\r\n\t\t\t<span class=\"author-avatar\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108681455037424020408\/reviews\" target=\"_blank\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXofQJx5i0kdd7ayFK1CXpj-ZFZgbyEUJK0159fhkJ159wr4GA=s128-c0x00000000-cc-rp-mo\" alt=\"Avatar\"><\/a><\/span>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"author-name\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108681455037424020408\/reviews\" target=\"_blank\" rel=\"nofollow\">Rachel Wood<\/a><\/span>\r\n\t\t\t<\/span>\r\n\t\t\t<div class=\"text text-excerpt\"><span class=\"review-snippet\">\u2b50\ufe0f\u2b50\ufe0f\u2b50\ufe0f\u2b50\ufe0f\u2b50\ufe0f<br>\n\t\t\t\tWe had an amazing experience working with City Creek Mortgage, especially Alexis Carter and Sefa Gasu! They made the entire loan process so smooth and stress-free from start to finish. As first-time homebuyers, we had a lot of<\/span> <span class=\"review-more-placeholder\">\u2026 More<\/span><span class=\"review-full-text\"> questions, and both Alexis and Sefa went above and beyond to make sure we understood every step along the way. They were always quick to respond, professional, and genuinely cared about helping us get the best loan possible. Thanks to their dedication and expertise, everything was handled efficiently and we were able to close on our first home without a hitch. We\u2019re so grateful for their help and highly recommend City Creek Mortgage to anyone buying a home!<\/span><\/div>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"rating\">\u2605\u2605\u2605\u2605\u2605<\/span>\r\n\t\t\t\t<span class=\"relative-time-description\">a week ago<\/span>\r\n\t\t\t<\/span>\r\n\t\t<\/li>\r\n\t\t<li class=\"rating-5\" data-index=\"1\">\r\n\t\t\t<span class=\"author-avatar\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/111509775717366402769\/reviews\" target=\"_blank\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjWrN1LDcFOUCR9prWcMh2pc_ojTY5jKSOIlC6YVmnhk_CAyhjbrKA=s128-c0x00000000-cc-rp-mo\" alt=\"Avatar\"><\/a><\/span>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"author-name\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/111509775717366402769\/reviews\" target=\"_blank\" rel=\"nofollow\">Sara France<\/a><\/span>\r\n\t\t\t<\/span>\r\n\t\t\t<div class=\"text text-excerpt\"><span class=\"review-snippet\">City Creek Mortgage truly went above and beyond!<br>\n\t\t\t\tWe had a very long and drawn-out process with both our home sale and our new purchase, and through it all, Troy and Sefa at City Creek Mortgage were the absolute glue that held everything<\/span> <span class=\"review-more-placeholder\">\u2026 More<\/span><span class=\"review-full-text\"> together. They were always steady, responsive, and proactive \u2014 making sure every step stayed on track even when things got complicated.<br>\n\t\t\t\tTheir speed, follow-through, and communication were next-level. What really stood out, though, was how genuinely they cared. We never felt like just another file \u2014 Troy and Sefa were invested in making sure we got into our home and made it happen, even when the process tested everyone\u2019s patience.<br>\n\t\t\t\tIf you want a lending team that combines professionalism, heart, and hustle, City Creek (and especially Troy and Sefa!) are the ones you want in your corner. We couldn\u2019t be more grateful for them!<\/span><\/div>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"rating\">\u2605\u2605\u2605\u2605\u2605<\/span>\r\n\t\t\t\t<span class=\"relative-time-description\">a week ago<\/span>\r\n\t\t\t<\/span>\r\n\t\t<\/li>\r\n\t\t<li class=\"rating-5\" data-index=\"2\">\r\n\t\t\t<span class=\"author-avatar\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/109877516356258364851\/reviews\" target=\"_blank\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjU6Hx-A4HH4XnnRxKuuulr3e7TOvaZcfZQaREcNzlnyN4iWDABp=s128-c0x00000000-cc-rp-mo\" alt=\"Avatar\"><\/a><\/span>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"author-name\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/109877516356258364851\/reviews\" target=\"_blank\" rel=\"nofollow\">Amber Robison<\/a><\/span>\r\n\t\t\t<\/span>\r\n\t\t\t<div class=\"text text-excerpt\"><span class=\"review-snippet\">Sefa and Devyn at City Creek were easily one of the best teams I\u2019ve ever worked with! They were quick to respond, answered all my questions, and walked me through every step of the refinance process. Everything felt smooth and stress-free<\/span> <span class=\"review-more-placeholder\">\u2026 More<\/span><span class=\"review-full-text\"> from start to finish. I\u2019d highly recommend them to anyone looking for a knowledgeable and supportive team!<\/span><\/div>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"rating\">\u2605\u2605\u2605\u2605\u2605<\/span>\r\n\t\t\t\t<span class=\"relative-time-description\">3 weeks ago<\/span>\r\n\t\t\t<\/span>\r\n\t\t<\/li>\r\n\t\t<li class=\"rating-5\" data-index=\"3\">\r\n\t\t\t<span class=\"author-avatar\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/116008038467931848159\/reviews\" target=\"_blank\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjUP3P1l5KqLB626Bt5T9akRIOcvQ1LP7lU-AHSuAjM09d5gJi3Y=s128-c0x00000000-cc-rp-mo\" alt=\"Avatar\"><\/a><\/span>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"author-name\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/116008038467931848159\/reviews\" target=\"_blank\" rel=\"nofollow\">Stefania Boornazian<\/a><\/span>\r\n\t\t\t<\/span>\r\n\t\t\t<div class=\"text text-excerpt\"><span class=\"review-snippet\">After a terrible experience trying to refinance with our existing lender we found City Creek Mortgage and couldn\u2019t be happier. Devyn and her team are wonderful to work with, highly responsive, patient with all your questions, and the whole<\/span> <span class=\"review-more-placeholder\">\u2026 More<\/span><span class=\"review-full-text\"> process was a breeze. You\u2019ll feel valued as a customer every step of the way and they go out of their way to earn your business. I would highly recommend them!<\/span><\/div>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"rating\">\u2605\u2605\u2605\u2605\u2605<\/span>\r\n\t\t\t\t<span class=\"relative-time-description\">3 weeks ago<\/span>\r\n\t\t\t<\/span>\r\n\t\t<\/li>\r\n\t\t<li class=\"rating-5\" data-index=\"4\">\r\n\t\t\t<span class=\"author-avatar\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/100591708965904598366\/reviews\" target=\"_blank\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXONW4e_7X7NOTc1fhLcnejC380wPjaIIxeAxlZzxOFYz4_NLyjPQ=s128-c0x00000000-cc-rp-mo\" alt=\"Avatar\"><\/a><\/span>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"author-name\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/100591708965904598366\/reviews\" target=\"_blank\" rel=\"nofollow\">Ken Duncan<\/a><\/span>\r\n\t\t\t<\/span>\r\n\t\t\t<div class=\"text text-excerpt\"><span class=\"review-snippet\">I have nothing but good things to say about City Creek mortgage but especially Alexis and Sefa. I ended up being under contract three times. Had to back out twice because of inspection issues. The third time was a charm and I found my dream<\/span> <span class=\"review-more-placeholder\">\u2026 More<\/span><span class=\"review-full-text\"> house and that&#039;s everything I wanted in a house. Alexis is so good to work with always getting back to me when I had questions or problems. I recommend City Creek to anyone looking to refinance or buy their first home. Thanks so much for all that you guys have done.<\/span><\/div>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"rating\">\u2605\u2605\u2605\u2605\u2605<\/span>\r\n\t\t\t\t<span class=\"relative-time-description\">5 months ago<\/span>\r\n\t\t\t<\/span>\r\n\t\t<\/li>\r\n\t\t<li class=\"rating-5\" data-index=\"5\">\r\n\t\t\t<span class=\"author-avatar\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/109893476045323165159\/reviews\" target=\"_blank\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjX1iwyAxBAcq6rolRjx_7hxwuP87YD_K7Nn8pVsWic3sfO8-L4F=s128-c0x00000000-cc-rp-mo\" alt=\"Avatar\"><\/a><\/span>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"author-name\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/109893476045323165159\/reviews\" target=\"_blank\" rel=\"nofollow\">Marc Whiting<\/a><\/span>\r\n\t\t\t<\/span>\r\n\t\t\t<div class=\"text text-excerpt\"><span class=\"review-snippet\">City Creek Mortgage did an incredible job with our home refinance.  I love their online tool that allows for transparency and clarity when trying to see what interest rate and fee structure would work best for us.  The cost to close our<\/span> <span class=\"review-more-placeholder\">\u2026 More<\/span><span class=\"review-full-text\"> loan was less than expected and we still got a rate that worked for us.<br>\n\t\t\t\tTemara and Marisol were great to work with.  They responded to our requests quickly, and they kept us informed at every step of the way.  Incredible customer service, that we really do appreciate!  Thank you City Creek Mortgage, we will definitely be referring all our family and friends to you!<br>\n\t\t\t\tMarc and Stacy W.<\/span><\/div>\r\n\t\t\t<span class=\"review-meta\">\r\n\t\t\t\t<span class=\"rating\">\u2605\u2605\u2605\u2605\u2605<\/span>\r\n\t\t\t\t<span class=\"relative-time-description\">6 months ago<\/span>\r\n\t\t\t<\/span>\r\n\t\t<\/li>\r\n\t<\/ul>\r\n\t<p class=\"attribution\"><span class=\"powered-by-google\" title=\"Powered by Google\"><\/span><\/p>\r\n<\/div>\r\n\n","protected":false},"excerpt":{"rendered":"<p>As of , a\u00a030-year fixed FHA loan in Utah is %(%APR). Customize Utah FHA loan rates for 30-year, 20-year or 15-year terms. You&#8217;ll also find the maximum and minimum lending limits set by the Federal Housing Administration for every county&#8230;<\/p>\n","protected":false},"author":2,"featured_media":104730,"parent":26717,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-26742","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Utah FHA Refinance + PMI Removal Options | City Creek Mortgage<\/title>\n<meta name=\"description\" content=\"FHA refinance is an ideal program for homeowners whose homes have depreciated since the purchase or may have higher interest rates than what are available.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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