{"id":26757,"date":"2023-10-18T11:06:17","date_gmt":"2023-10-18T17:06:17","guid":{"rendered":"https:\/\/citycreekmortgage.com\/?page_id=26757"},"modified":"2023-12-21T17:07:47","modified_gmt":"2023-12-22T00:07:47","slug":"jumbo-purchase","status":"publish","type":"page","link":"https:\/\/citycreekmortgage.com\/purchase\/jumbo-purchase\/","title":{"rendered":"Utah Jumbo Loan Rates &#038; Limits"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><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 Jumbo <\/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                    1.689 Pts\n                <\/div>\n                <div class=\"todays-rate\">\n                    <span>5.875<sup>%<\/sup><\/span>\n                <\/div>\n                <div class=\"todays-apr\">\n                    APR 6.057%\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                    0.809 Pts\n                <\/div>\n                <div class=\"todays-rate\">\n                    <span>6.250<sup>%<\/sup><\/span>\n                <\/div>\n                <div class=\"todays-apr\">\n                    APR 6.351%\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                    -0.009 Pts\n                <\/div>\n                <div class=\"todays-rate\">\n                    <span>6.875<sup>%<\/sup><\/span>\n                <\/div>\n                <div class=\"todays-apr\">\n                    APR 6.899%\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 active\">\n                        <input type=\"radio\" name=\"loanType\" checked value=\"jumbo\" data-target=\"loanTypeAr\" data-title=\"Jumbo\"> Jumbo\n                    <\/label>\n                    <label class=\"program-selector-box big \">\n                        <input type=\"radio\" name=\"loanType\"  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\">Jumbo<\/span>   Rates<\/button>\n                <input type=\"submit\" style=\"display: none;\">\n            <\/form>\n        <\/div>\n    <\/div>\n\n<\/div>\n\n    <\/span><br \/>\n<em>As of January 9, 2026,<br \/>\n<\/em><\/p>\n<ul>\n<li><em>30 year 5\/6 ARM rate jumbo loans in Utah are 5.125% (% <span style=\"font-weight: 400;\">APR).<\/span><\/em><\/li>\n<li>30 year 7\/6 ARM rate jumbo loans in Utah are 5.625% (6.252% APR).<\/li>\n<li>30 year 10\/6 ARM rate jumbo loans in Utah are 5.75% (6.214% APR).<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/citycreekmortgage.com\/rate-assumptions\/\">See Rate Assumptions<\/a><\/span><\/p>\n<div>\n<p>&nbsp;<\/p>\n<p>Imagine you&#8217;ve found the perfect home, but your loan amount is much higher than the conforming loan limits for your county in Utah.<\/p>\n<p><span style=\"font-weight: 400;\">Can you still get a mortgage on that property? Yes you can.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to buy a home in Utah and your loan amount is higher than the conforming loan limits for your county, a jumbo loan might be the right option.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You&#8217;ll need great credit, a high income, a substantial down payment, and plenty of cash reserves.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If this describes you, a jumbo loan could help place you in the home of your dreams. Here&#8217;s what to know about jumbo loans from the mortgage professionals at City Creek Mortgage.<\/span><\/p>\n<h3 style=\"text-align: center; margin-bottom: 5px;\"><strong><em>\u2193 Try Our Utah Jumbo 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><b>Jumbo Loans In a Nutshell<\/b><\/h2>\n<ul>\n<li><span style=\"font-weight: 400;\"> A jumbo loan is a mortgage that allows qualifying buyers to purchase homes with loan amounts above the <\/span><a href=\"https:\/\/www.fhfa.gov\/DataTools\/Downloads\/Documents\/Conforming-Loan-Limit\/FullCountyLoanLimitList2023_HERA-BASED_FINAL_FLAT.xlsx\"><span style=\"font-weight: 400;\">conforming and super-conforming loan limits<\/span><\/a><span style=\"font-weight: 400;\"> set by the Federal Housing Finance Administration (FHFA).<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Credit, savings and income requirements for Jumbo Loans are more stringent than Conventional<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Since they&#8217;re used for purchasing homes exceeding the conforming loan limits, Fannie Mae and Freddie Mac can&#8217;t buy these loans from lenders, which makes them riskier for lenders.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Jumbo loans typically have higher interest rates than conforming loans because of the risks lenders face.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Jumbo loans are available as fixed-rate or adjustable-rate mortgages.<\/span><\/li>\n<\/ul>\n<p><a class=\"btn btn-large btn-orange-solid\" href=\"tel:801-501-7950\">Speak with a Jumbo Loan Officer &#8211; 801-501-7950<\/a><\/p>\n<h2><b>Jumbo Loan Limits By County<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Jumbo loans are mortgages that exceed the conforming and super-conforming loan limits in Utah that are set by the FHFA and adjusted each year. The conforming loan limits for each county in Utah for 2024 are listed in the following table:<\/span><\/p>\n<style>\n                    .loan-limits-table {\n                        border-collapse: collapse;\n                        width: 100%;\n                        overflow-x: auto; \/* Enable horizontal scroll on small screens *\/\n                    }\n                    .loan-limits-table th, .loan-limits-table td {\n                        padding: 8px;\n                        text-align: left;\n                        border-bottom: 1px solid #ddd;\n                        white-space: nowrap; \/* Prevent text wrapping *\/\n                    }\n                    .loan-limits-table thead {\n                        background-color: #f2f2f2;\n                    }\n                    .loan-limits-table tbody tr:nth-child(even) {\n                        background-color: #f9f9f9;\n                    }\n                    @media screen and (max-width: 767px) {\n                        .loan-limits-table {\n                            overflow-x: auto;\n                            display: block;\n                        }\n                        .loan-limits-table thead, .loan-limits-table tbody, .loan-limits-table tr, .loan-limits-table th, .loan-limits-table td {\n                            display: block;\n                            width: 100%;\n                        }\n                        .loan-limits-table tr {\n                            margin-bottom: 15px;\n                            border-bottom: none;\n                        }\n                        .loan-limits-table thead th {\n                            position: absolute;\n                            top: -9999px;\n                            left: -9999px;\n                        }\n                        .loan-limits-table td {\n                            border: none;\n                            border-bottom: 1px solid #ddd;\n                            position: relative;\n                            padding-left: 50%;\n                            text-align: left;\n                        }\n                        .loan-limits-table td:before {\n                            position: absolute;\n                            top: 6px;\n                            left: 6px;\n                            width: 45%;\n                            padding-right: 10px;\n                            white-space: nowrap;\n                            content: attr(data-label);\n                        }\n                        \/* Zebra striping *\/\n                        .loan-limits-table tbody tr:nth-child(even) {\n                            background-color: #f9f9f9;\n                        }\n                        \/* Bold county in mobile view *\/\n                        .loan-limits-table td[data-label=\"County\"] {\n                            font-weight: bold;\n                        }\n                    }\n                    <\/style><table class=\"loan-limits-table\"><thead><tr><th>County<\/th><th>One Unit<\/th><th>Two Unit<\/th><th>Three Unit<\/th><th>Four Unit<\/th><\/tr><\/thead><tbody><tr><td data-label=\"County\"> Beaver County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Box Elder County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Cache County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Carbon County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Daggett County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Davis County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Duchesne County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Emery County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Garfield County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Grand County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Iron County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Juab County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Kane County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Millard County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Morgan County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Piute County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Rich County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Salt Lake County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> San Juan County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Sanpete County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Sevier County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Summit County<\/td><td data-label=\"One Unit\">$1,149,825<\/td><td data-label=\"Two Unit\">$1,472,250<\/td><td data-label=\"Three Unit\">$1,779,525<\/td><td data-label=\"Four Unit\">$2,211,600<\/td><\/tr><tr><td data-label=\"County\"> Tooele County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Uintah County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Utah County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Wasatch County<\/td><td data-label=\"One Unit\">$1,149,825<\/td><td data-label=\"Two Unit\">$1,472,250<\/td><td data-label=\"Three Unit\">$1,779,525<\/td><td data-label=\"Four Unit\">$2,211,600<\/td><\/tr><tr><td data-label=\"County\"> Washington County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><tr><td data-label=\"County\"> Wayne County<\/td><td data-label=\"One Unit\">$997,050<\/td><td data-label=\"Two Unit\">$1,276,400<\/td><td data-label=\"Three Unit\">$1,542,900<\/td><td data-label=\"Four Unit\">$1,917,450<\/td><\/tr><tr><td data-label=\"County\"> Weber County<\/td><td data-label=\"One Unit\">$766,550<\/td><td data-label=\"Two Unit\">$981,500<\/td><td data-label=\"Three Unit\">$1,186,350<\/td><td data-label=\"Four Unit\">$1,474,400<\/td><\/tr><\/tbody><\/table>\n<p><span style=\"font-weight: 400;\">As you might notice, the conforming loan limit for a one-unit home is $766,550 in every county in Utah other than the following six:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Box Elder<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Davis<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Morgan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Summit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wasatch<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Weber<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These counties are high-cost-of-living areas and so have higher limits than the standard conforming loan limits that are referred to as super-conforming loan limits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you want to buy a home in Salt Lake City with a price of $1 million, you&#8217;ll either need to put enough down to bring your loan amount below the standard conforming loan limit of $766,550 or get a jumbo mortgage to complete the transaction.<\/span><\/p>\n<h2><b>What are Jumbo Loans? How Do They Work?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A<\/span><a href=\"https:\/\/www.investopedia.com\/terms\/j\/jumboloan.asp\"> <span style=\"font-weight: 400;\">jumbo loan<\/span><\/a><span style=\"font-weight: 400;\"> is a mortgage loan offered by certain banks and other lenders that allows certain buyers to purchase homes for prices exceeding the conforming and super-conforming loan limits in their counties.<\/span><\/p>\n<p><a href=\"https:\/\/www.freddiemac.com\/\"><span style=\"font-weight: 400;\">Freddie Mac<\/span><\/a><span style=\"font-weight: 400;\"> and<\/span><a href=\"https:\/\/www.fanniemae.com\/\"> <span style=\"font-weight: 400;\">Fannie Mae<\/span><\/a><span style=\"font-weight: 400;\"> don\u2019t purchase jumbo loans from lenders.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jumbo loans aren&#8217;t backed by any guarantees, so lenders that offer them frequently have significantly more<\/span><a href=\"https:\/\/www.businessinsider.com\/personal-finance\/what-is-a-jumbo-loan\"> <span style=\"font-weight: 400;\">stringent qualifying requirements<\/span><\/a><span style=\"font-weight: 400;\"> than the requirements for <\/span><a href=\"https:\/\/citycreekmortgage.com\/purchase\/conventional-purchase\/\"><span style=\"font-weight: 400;\">conventional mortgages<\/span><\/a><span style=\"font-weight: 400;\"> or government-backed loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To qualify for a jumbo loan, most lenders will require you to meet the following criteria:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High credit score of at least 700, although some lenders might require 720 or higher<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt-to-income (DTI) ratio of 40% to 45% or less unless you have substantial cash reserves<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some loans may require documentation demonstrating your financial health and stability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Additional home appraisals might be needed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Larger minimum down payment of at least 10%, although some lenders might require a downpayment of 25% to 30%<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A great benefit of jumbo loans is they allow people to buy homes where your loan amount exceeds conforming loan limits. They can also use jumbo loans to purchase investment properties, vacation homes, or second homes.<\/span><\/p>\n<h2><b>Jumbo Loans Since 2017 to Now<\/b><\/h2>\n<div class=\"embed-container\"><iframe style=\"overflow: hidden;\" src=\"https:\/\/fred.stlouisfed.org\/graph\/graph-landing.php?g=12BQP&amp;width=670&amp;height=475\" frameborder=\"0\" scrolling=\"no\"><\/iframe><\/div>\n<p><script src=\"https:\/\/fred.stlouisfed.org\/graph\/js\/embed.js\" type=\"text\/javascript\"><\/script><\/p>\n<p><span style=\"font-weight: 400;\">The average interest rates for jumbo loans have fluctuated from 2017 to now, but they are significantly higher today than they were at the beginning of 2017. For example, the mortgage interest index for jumbo loans on Jan. 3, 2017, was 4.432%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Along with other mortgage interest rates, those for jumbo loans plummeted during the height of the COVID-19 pandemic to reach a low of 2.822%. Over the last couple of years, the mortgage interest index for jumbo loans has significantly increased with inflation, reaching 6.370% as of April 14, 2023.<\/span><\/p>\n<h2><b>Jumbo Loan National Interest: How Utah Compares<\/b><\/h2>\n<p><script type=\"text\/javascript\" src=\"https:\/\/ssl.gstatic.com\/trends_nrtr\/3316_RC01\/embed_loader.js\"><\/script> <script type=\"text\/javascript\"> trends.embed.renderExploreWidget(\"GEO_MAP\", {\"comparisonItem\":[{\"keyword\":\"\/m\/07gh4g\",\"geo\":\"US\",\"time\":\"today 5-y\"}],\"category\":0,\"property\":\"\"}, {\"exploreQuery\":\"date=today%205-y&geo=US&q=%2Fm%2F07gh4g&hl=en\",\"guestPath\":\"https:\/\/trends.google.com:443\/trends\/embed\/\"}); <\/script><\/p>\n<p><span style=\"font-weight: 400;\">Interest in jumbo loans varies from state to state. As revealed by Google Trends, the top five states with searches for jumbo loans include the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1. Kansas<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">2. Hawaii<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">3. Washington, D.C.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">4. New York<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">5. California<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">While Utah wasn&#8217;t in the top five, it is number eight on the list. This means that if you&#8217;re interested in a jumbo loan in Utah, you&#8217;re certainly not alone.<\/span><\/p>\n<h2><b>Getting the Jumbo Mortgage You Want<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you have excellent credit, enough cash reserves to make your mortgage payments for a minimum of 12 months, a high income, and are in excellent financial health, you might qualify for a jumbo loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Getting a jumbo loan might allow you to purchase a much more expensive home than you could otherwise buy and get all of the features you desire.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jumbo loans are available in<\/span><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-the-difference-between-a-fixed-rate-and-adjustable-rate-mortgage-arm-loan-en-100\/\"> <span style=\"font-weight: 400;\">fixed-rate and adjustable-rate mortgages<\/span><\/a><span style=\"font-weight: 400;\">. A fixed-rate jumbo loan will have predictable payments because the interest rate will remain the same for the life of the loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An<\/span><a href=\"https:\/\/files.consumerfinance.gov\/f\/201204_CFPB_ARMs-brochure.pdf\"> <span style=\"font-weight: 400;\">adjustable-rate jumbo loan<\/span><\/a><span style=\"font-weight: 400;\"> will have an initial fixed period followed by adjustments on a regular, periodic schedule based on the interest rate index at that time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are three popular types of jumbo ARMs that you might consider, depending on your financial priorities and goals.<\/span><\/p>\n<h3><b>Jumbo Loan 5\/6 ARM<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A 5\/6 ARM jumbo loan will have an initial fixed period of five years. During this time, your interest rate will not be adjusted, so your payment will remain the same.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once the initial five year fixed period is over, the interest rate for your 5\/6 ARM jumbo loan can be adjusted every six months based on the mortgage interest index at that time. The rate could be adjusted upward or downward during each adjustment period, meaning your payments could be unpredictable.<\/span><\/p>\n<h3><b>Jumbo Loan 7\/6 ARM<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A jumbo loan 7\/6 ARM has an initial fixed period of seven years, during which your interest rate will be fixed, and your payments will not change. Once that seven period is over, your rate can be adjusted upward or downward every six months for the remaining life of your mortgage.<\/span><\/p>\n<h3><b>Jumbo Loan 10\/6 ARM<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you get a jumbo loan 10\/6 ARM, the initial fixed period will be 10 years followed by periodic adjustments of your interest rate every six months.<\/span><\/p>\n<h3><b>Jumbo Adjustable Rate vs Jumbo Fixed Rate<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Jumbo ARMs typically have a lower initial rate of interest than fixed-rate jumbo loans, which can make a jumbo ARM attractive to buyers with a higher risk tolerance. Jumbo ARMs come with caps on how much your interest rate can be adjusted initially, periodically, and over the life of your mortgage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you decide to close with a Jumbo ARM, it&#8217;s a good idea to consider the interest rate caps to determine whether you can afford them in case your mortgage interest rate is adjusted up to the lifetime cap.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The typical strategy with a Jumbo ARM is to refinance it or sell your home before the initial adjustment period. If you&#8217;re intending to sell your home, or refinance within a few years, choosing a jumbo ARM might make the most sense\u2013because you could save money on interest vs. a fixed-rate mortgage until you sell the property.<\/span><\/p>\n<h2><b>Why are Jumbo Loan Rates Higher Than Conventional Loans?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Jumbo loan rates tend to be slightly higher than conventional mortgages because of the higher risks that lenders face.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unlike conventional mortgages, Fannie Mae and Freddie Mac can&#8217;t service jumbo loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If someone with a conventional mortgage defaults on their loan, Freddie Mac and Fannie Mae will buy the defaulted loan from the lender. By contrast, if someone with a jumbo loan defaults, whichever entity owns the loan at the time will bear all of the loss.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is why lenders have more stringent qualifying requirements for borrowers who want to get jumbo loans than for those who want to buy a home with a conventional mortgage. They also typically charge higher rates of interest for jumbo loans than for conventional or government-backed mortgages.<\/span><\/p>\n<h2><b>Can I Qualify for a Jumbo Loan With a Lower Down Payment?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you want to buy a home that exceeds the conforming or super-conforming loan limit in your county with a mortgage, you&#8217;ll be expected to have a larger down payment than for a different type of mortgage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lenders typically require a minimum of 10% down for jumbo loans. However, some lenders require a minimum down payment of 25% or more to purchase a home with a jumbo loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some lenders also expect you to have enough money in your cash reserves to afford your mortgage payments for at least 12 months.<\/span><\/p>\n<h2><b>Will I Be Able To Refinance a Jumbo Loan?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">While it&#8217;s possible to refinance a jumbo loan, lenders are much pickier when deciding whether to approve a refi of a jumbo mortgage vs. another type of home loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your mortgage broker might need to help you search for a lender willing to refinance a jumbo loan for you. You can anticipate needing a higher credit score based on your loan type (fixed vs. ARM), loan length, and property type.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your DTI will also need to meet the lender&#8217;s requirements for a jumbo loan refi.<\/span><\/p>\n<h2><b>Is there a Jumbo VA loan?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you are a military veteran who is eligible for a <\/span><a href=\"https:\/\/citycreekmortgage.com\/purchase\/va-purchase\/\"><span style=\"font-weight: 400;\">VA loan<\/span><\/a><span style=\"font-weight: 400;\">, you can get a VA jumbo loan with multiple advantages and benefits over standard jumbo mortgages.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">VA loans don&#8217;t have a<\/span><a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-limits\/\"> <span style=\"font-weight: 400;\">maximum limit<\/span><\/a><span style=\"font-weight: 400;\"> for those with full entitlement, are backed by the Department of Veteran Affairs, and have lower interest rates and down payment requirements.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have full entitlement, the VA will back the same percentage of your mortgage regardless of its size.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have partial entitlement, lenders will typically determine a loan maximum based on one of the two following formulas:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> With a down payment &#8211; (Entitlement you have left + Your down payment\/equity) multiplied by four<\/span><\/li>\n<\/ol>\n<ol start=\"2\">\n<li><span style=\"font-weight: 400;\"> Without a down payment &#8211; With partial entitlement and no down payment, your maximum VA loan amount will be the amount of your remaining entitlement multiplied by four.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">VA jumbo loans have looser credit and down payment requirements, but they can only be used to purchase a primary residence. The home must also pass safety inspections.<\/span><\/p>\n<h2><b>Jumbo Loans Through Mortgage Brokers vs Lenders<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Is it better to get a jumbo loan through a lender, bank, or mortgage broker?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re looking for a jumbo loan, an experienced mortgage broker can find multiple offers from different lenders, allowing you to compare terms and interest rates and find the best deal. The mortgage experts at City Creek Mortgage can help you compare terms and rates and identify the jumbo loan that will best meet your needs and goals. Since transparency is important, you&#8217;ll also receive a comprehensive, accurate estimate of the various closing costs you might have to pay with each offer. Contact City Creek Mortgage today by calling 801-501-7950 to schedule an appointment and learn more about whether a jumbo loan is the best choice for you.<\/span><\/p>\n<\/div>\n<p><a class=\"btn btn-large btn-orange-solid\" href=\"{{apply}}\">Apply For A Jumbo Loan Now<\/a><\/p>\n<div class=\"wrap\">\n    <div class=\"four-steps\">\n        <div class=\"title\">Traditional Mortgage Loan Options<\/div>\n        <div class=\"four-cards-types\">\n                        <a href=\"\/purchase\/conventional-purchase\/\" class=\"card-3rds\">\n                <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/07\/utahconv.png\" class=\"img-fluid  wp-loaded\">\n                \n                <div class=\"card-title\">Utah Conventional Loan<\/div>\n                <div class=\"card-content\">This is a loan that is not insured by the government. It has a lower down payment requirement than other types of loans, but it also has a higher interest rate.<\/div>\n                \n            <\/a>\n                                    <a href=\"\/purchase\/super-conforming-purchase\/\" class=\"card-3rds\">\n                <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/07\/utahsuper.png\" class=\"img-fluid  wp-loaded\">\n                \n                <div class=\"card-title\">Utah Super Conforming Loan<\/div>\n                <div class=\"card-content\">This is a type of conventional loan that has a higher loan limit than a traditional conventional loan. It\u2019s a good option for borrowers who need a loan amount that is above the conforming loan limit.<\/div>\n                \n            <\/a>\n                                                <a href=\"\/purchase\/va-purchase\/\" class=\"card-3rds\">\n                <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/07\/utahva.png\" class=\"img-fluid  wp-loaded\">\n                \n                <div class=\"card-title\">Utah VA Loan<\/div>\n                <div class=\"card-content\">This is a loan that is guaranteed by the Department of Veterans Affairs. It has no down payment requirement and no mortgage insurance premium.<\/div>\n                \n            <\/a>\n                                    <a href=\"\/purchase\/usda-rural-housing-purchase\/\" class=\"card-3rds\">\n                <img decoding=\"async\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/08\/utahusda.png\" class=\"img-fluid  wp-loaded\">\n                \n                <div class=\"card-title\">Utah USDA Rural Loan<\/div>\n                <div class=\"card-content\">Backed by the U.S. Department of Agriculture, this loan aids rural and suburban homebuyers in Utah. It offers zero down payment for eligible buyers in qualifying areas, promoting homeownership in less populated regions.<\/div>\n                \n            <\/a>\n                        \n        <\/div>\n        \n    <\/div>\n<\/div>\n\n\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 , 30 year 5\/6 ARM rate jumbo loans in Utah are % (% APR). 30 year 7\/6 ARM rate jumbo loans in Utah are % (% APR). 30 year 10\/6 ARM rate jumbo loans in Utah are %&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":26711,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-26757","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Utah Jumbo Loan Rates &amp; Limits | Get an Instant Rate Quote<\/title>\n<meta name=\"description\" content=\"Jumbo loan can be a great option if you are purchasing a home generally above $453,100. 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