Because of individual financial and personal circumstances, and the geographical nature of mortgage loans, all products and services, including fees, regulations, and rates may vary. Utah Mortgage will not be held liable, in any way, for damages or loss, indirect or consequential, including the loss of information, data, or money, because of the use of this website.
While facts found on this website provides you an overall understanding of what loan programs are available, the most reliable way to determine your ability to acquire a mortgage loan, with its accompanying interest rate and fees, is to discuss your personal financial situation and desired outcome with a mortgage consultant, who can identify the best program, and outline the available interest rates, fees and requirements to close your loan.
Monthly payment amounts, APRs, fees, rates, points, and loan origination data provided onare examples only, and based on limited information. These online examples do not include monthly mortgage insurance premiums, (if they are required for your loan type), property taxes, and homeowner’s insurance. Other factors that help determine the final terms of your loan include; the appraisal value of your home, actual credit score, personal financial information including income and debt, as well as additional circumstances that are unique to your situation. Each of these components may cause your loan payment to increase or decrease.
If you have chosen an ARM loan, you have the possibility of a rise in your mortgage rate annually, after a fixed initial period. For example, a 5/1 ARM would include a five year fixed interest rate, and a possible annual increase until the maximum interest rate has been reached.
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