Mortgage and Home Loan Center

Mortgage Rates

30 Year Fixed Rate Conventional
4.457% APR, 0.000% Points
Payment Example: $499.29 / month*
Apply Now
20 Year Fixed Rate Conventional
4.237% APR, 0.000% Points
Payment Example: $612.59 / month*
Apply Now
15 Year Fixed Rate Conventional
3.515% APR, 0.000% Points
Payment Example: $708.76 / month*
Apply Now
10 Year Mortgage Rate
3.740% APR, 0.000% Points
Payment Example: $1,000.14 / month*
Apply Now
7 Year Mortgage Rate
3.240% APR, 0.000% Points
Payment Example: $1,332.17 / month*
Apply Now
5 Year Mortgage Rate
2.890% APR, 0.000% Points
Payment Example: $1,791.99 / month*
Apply Now

Home Equity Rates

Home Equity Line of Credit
Apply Now

Specialty Loan Rates

4.25% APR
Construction Loan
Payment Example: Interest Only
Apply Now
5.99% APR
Improved Building Lot
Payment Example: $598.91* / month
Apply Now

Rates and terms are accurate as of April 18, 2014 and are subject to change.

The rates listed above are our best rates. Your rate may be higher depending on underwriting criteria.

Annual Percentage Rates (APRs) for 12, 15 and 20 year mortgages are calculated based on a $10,000 loan with a 0.50% origination fee.

Home equity loans and lines of credit have a maximum variable APR of 18%. Fees may apply if closed within 24 months.

As of April 1, 2014, Prime Rate is 3.25% APR.

Construction loan rate is for construction loans up to $417,000 on approved credit. 4.25% Variable Rate is based on Prime Rate + 1.00%. As of April 1, 2014 Prime Rate is 3.25%.

Lot loan is for a 30-year term with a 3-year call.

*Payment example is for each $100,000.00 borrowed.

Equal Housing Lender NMLS ID# 440574
Receive 20,000 ExtraAwards Points With a Goldenwest Mortgage
ExtraAwards points will be applied towards a Goldenwest VISA Rewards credit card. Members who do not have a Goldenwest VISA Rewards credit card may apply for the VISA card at the time of the loan application. Long-term secondary market mortgages, purchase or refinance, may qualify for the special offer. Offer available for a limited time, and subject to change without notice. Offer not valid on construction loans, lot loans, home equity loans, home equity lines of credit, reverse mortgages or in-house mortgages. Other restrictions may apply. Equal Housing Lender.

Goldenwest Credit Union is Utah's best source for mortgages and other home loans.

If you’re in the market to purchase a new home, or simply want to refinance an existing home loan to a lower rate or shorter term, Goldenwest Credit Union can help you get the best mortgage available on the market.

Goldenwest offers several types of mortgage programs and real estate loans to meet the needs of our broad member base.

Conventional Fixed Rate Mortgage

A conventional fixed rate mortgage can have terms beginning at five years up to 30 years. With a fixed-rate mortgage, your monthly payment will remain constant for the life of the loan. Conventional mortgages require a low down payment.

Adjustable Rate Mortgage

An Adjustable Rate Mortgage, or ARM, generally begins with an interest rate that is 2% to 3% below a comparable fixed-rate mortgage. The interest rate may adjust to a higher or lower percentage over the life of the loan as market conditions change.

Federal Housing Administration (FHA) Mortgage

A FHA home loan is sponsored by the U.S. Government to assist first-time borrowers and low-to-moderate income borrowers qualify for a mortgage. This type of loan features a reduced interest rate as well as a lower down payment requirement.

Utah Housing Mortgage

Utah Housing is a state program designed for first time home buyers, single parents, and others who have not owned a home in the immediate past three years. Members who meet the income and credit requirements can receive a low fixed rate and 100% financing, including closing costs.

Veterans Administration (VA) Mortgage

Active duty U.S. Military, veterans and reservists may apply for a VA mortgage. Members who qualify will benefit from reduced rates, lower fees and no down payment requirement. Rate reductions are also available for mortgage refinances.

Reverse Mortgages

A reverse mortgage is a loan made to a homeowner who is at least 62 years-old and wishes to convert the equity in their home to cash. Unlike a home equity loan, the homeowner does not make monthly payments to the lender. In fact, with a reverse mortgage, monthly payments are made by the lender to the homeowner. A reverse mortgage isn’t repayable until the borrower no longer occupies the home as their principal residence.

Short-Term Mortgages

Refinancing your existing mortgage to a shorter term can save you thousands of dollars in interest payments. Goldenwest offers first mortgages at competitive rates with varying terms ranging from five to 20 years. View short-term mortgage rates here.

Also Available From Goldenwest Credit Union:

Getting Started

If you’re thinking about building or buying a new home, then it’s a good time to meet with a Goldenwest mortgage originator. They can help you get preapproved on a home loan and give you an estimate of how much home you can afford. Our mortgage professionals can even recommend real estate agents and contractors.

For your convenience, you may begin the mortgage application process by clicking here.

How much will my mortgage payments be?

Purchase Price:
Down Payment:
Term (years):
Calculate Payment
Monthly Payment
This is not a guarantee of credit.