Mortgage Loans


Full Service Mortgages

1st Mortgages/Traditional Mortgages

Largest Investment!

Buying a home is a big commitment and most people’s largest investment. Doing business with someone you know and trust is a smart choice. Granite Credit Union offers a wide variety of uncomplicated First Mortgage options including long term mortgages to get your payment as low as possible and short term mortgages to give you the flexibility to get your loan paid off on time.

We know what is important to you:

  • Low rates, fees and closing costs
  • Fast turnaround time (sometimes as little as 10 days)
  • Flexible options including FHA, VA and conventional loans
  • Flexible terms from 6 to 30 years

Getting the mortgage that is right for you is what is important to us. Give one of our Mortgage Loan experts a call at 801-288-3000 or toll free 1-888-428-8326

Mortgage Calculator

Mortgage Loan Calculator

How Much Can You Spend on a New Home?

Budgeting for a new home starts with estimating and calculating your payment. It’s also helpful to sit down with a Mortgage Professional to find out the best loan for you and to calculate a loan amount and payment you can afford.

It’s also a good idea to plug these numbers into your budget and make sure you’re getting into a home appropriate for you.

Getting the right advice from people you can trust is essential. Give our Mortgage Loan experts a call at 801-288-3000 or toll free at 1-888-428-8326.

1st Mortgage Rates

Meet our Mortgage Loan Professionals

Home Loans

Big Commitment

Buying a home is a big commitment and most people’s largest investment. Doing business with someone you know and trust is a smart choice. Granite Credit Union offers a wide variety of uncomplicated First Mortgage options including long term mortgages to get your payment as low as possible and short term mortgages to give you the flexibility to get your loan paid off on time.

We know what is important to you:

  • Low rates, fees and closing costs
  • Fast turnaround time (sometimes as little as 10 days)
  • Flexible options including FHA, VA and conventional loans
  • Flexible terms from 5 to 30 years

Getting the mortgage that is right for you is what is important to us. Use the links below to learn more or give our Mortgage experts a call today at 801-288-3000 to toll free 1-888-428-8326

Darrell Tietjen
Todd Hatfield

Darrell Tietjen 801.288.3078
NMLS# 583816

Todd Hatfield 801.288.3084
NMLS# 301846

Short Term 1st Mortgage Rates

Short Term 1st Mortgage Loans

Loan Term
TypeAPROrigination Fee
Effective Date 6/14/2018TypeAPROrigination Fee
5 YearsShort Term Mortgage3.59%1.00%
7 YearsShort Term Mortgage3.84%1.00%
10 YearsShort Term Mortgage4.09%1.00%
12 Years
Short Term Mortgage4.34%1.00%
5 yearsShort Term Mortgage3.99%0.00%
7 yearsShort Term Mortgage4.24%0.00%
10 YearsShort Term Mortgage4.49%0.00%
12 YearsShort Term Mortgage4.74%0.00%
APR is Annual Percentage Rate. APRs are estimated on a $200,000 loan amount with 80% loan-to-value.
*Call for Current Rates. Your rate may vary based on your credit score. Rates are subject to change based on market conditions and without notice.

 Use the Equity in your Home to Start Living Well Today

Home Equity Loans/2nd Mortgage Loans

Don’t Wait!

Don’t wait until you decide to move to fix up your house. The right home improvements will help you maintain your home’s value and let you enjoy your home more fully today. Using your home’s equity is one of the least expensive ways to borrow. Of course, using the equity in your home should be done only after careful consideration. Using the value for a wise investment in your home (e.g. home improvements) or for debt consolidation may be a wise choice.

Whether you are interested in a Fixed Rate Home Equity Loan/Second Mortgage or a Home Equity Line of Credit, we have plenty of options. One of our Mortgage Loan Officers can help you decide if a Home Equity Loan is right for you.

Home Equity Line of Credit

  • Comes with a VISA card
  • No Fees
  • Make draws as needed
  • Available up to 100% loan-to-value
  • Variable rates based on the Prime Rate

Fixed Rate 2nd Mortgage

  • Low Fixed Rates
  • Flexible terms up to 15 years
  • No Appraisal Fees
  • Up to 100% loan-to-value

Let us help you decide which loan is right for you. Give us a call at 801-288-3000 or toll free 1-888-428-8326.

Fixed Rate 2nd Mortgage Loans

2nd Mortgages/Fixed Rate Home Equity Loans

Loan Term
TypeAPR*Origination Fee
Effective Date 6/14/2018TypeAPR*Origination Fee
5 YearsConventional4.99%1.00%
7 YearsConventional5.24%1.00%
10 YearsConventional5.24%1.00%
12 Years
Conventional5.74%1.00%
15 yearsConventional5.74%1.00%
APR is Annual Percentage Rate.
*Call for Current Rates. Your rate may vary based on your credit score and the services you use. . Rates are subject to change based on market conditions and without notice. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

HELOC Rates

Home Equity Line-of-Credit Loans

Loan Term
TypeLoan-to-ValueMaximum AmountAPR
Effective Date - 6/14/2018TypeLoan-to-ValueMaximum AmountAPR
Open-EndVariable RateUp to 100%$50,0005.25%
Open-EndVariable RateUp to 80%$250,0005.25%
APR is Annual Percentage Rate. All loans subject to credit approval and pricing. Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.  Rate is variable to a maximum of 18%