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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.844%APR 6.878% | 0 pts$0 | $3,359/moP&I $3,359 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.974%APR 6.742% | 0 pts$0 | $3,360/moP&I $3,120 · MI $239 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.901%APR 5.949% | 0 pts$0 | $3,043/moP&I $3,043 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.885%APR 6.920% | 0 pts$0 | $3,373/moP&I $3,373 · MI $0 | See details |
| Investment Property FixedConforming | 7.539%APR 7.578% | 0 pts$0 | $3,600/moP&I $3,600 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.901% | 5.949% | 0 pts ($0) | $4,301/mo | $84,976 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.875% | 5.923% | 0 pts ($0) | $5,367/mo | $118,241 |
Condo 10% Down | 10% | 720 credit score | 7.056% | 7.221% | 0 pts ($0) | $3,861/mo | $135,013 |
Conventional 10% Down | 10% | 720 credit score | 6.534% | 6.687% | 0 pts ($0) | $3,660/mo | $125,938 |
Conventional 20% Down | 20% | 740 credit score | 6.844% | 6.878% | 0 pts ($0) | $3,359/mo | $103,654 |
Conventional 5% Down | 5% | 700 credit score | 6.968% | 7.444% | 0 pts ($0) | $4,039/mo | $140,898 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.287% | 7.324% | 0 pts ($0) | $4,390/mo | $150,634 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,794/mo | $128,559 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.746% | 7.119% | 0 pts ($0) | $4,032/mo | $145,301 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.885% | 6.920% | 0 pts ($0) | $4,216/mo | $142,863 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,291/mo | $126,149 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.974% | 6.742% | 0 pts ($0) | $3,764/mo | $131,955 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,885/mo | $135,996 |
FHA Streamline Refi | 0% | 640 credit score | 6.102% | 6.872% | 0 pts ($0) | $3,954/mo | $139,250 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.942% | 7.183% | 0 pts ($0) | $4,029/mo | $145,903 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,011/mo | $78,538 |
Investment Property 25% Down | 25% | 740 credit score | 7.539% | 7.578% | 0 pts ($0) | $3,375/mo | $107,255 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,456/mo | $107,999 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,728/mo | $114,316 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.341% | 7.115% | 0 pts ($0) | $3,914/mo | $138,902 |
Second Home 10% Down | 10% | 720 credit score | 5.988% | 6.560% | 0 pts ($0) | $3,455/mo | $116,461 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,373/mo | $104,272 |
VA 0% Down | 0% | 700 credit score | 5.971% | 6.212% | 0 pts ($0) | $3,915/mo | $128,933 |
VA Cash-Out Refi | 0% | 640 credit score | 5.978% | 6.343% | 0 pts ($0) | $3,918/mo | $129,071 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.992% | 6.142% | 0 pts ($0) | $3,923/mo | $129,346 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,528/mo | $111,619 |
Frequently Asked Questions
What are today's mortgage rates in Marriott-Slaterville, UT across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Marriott-Slaterville, UT is 6.844% (with an estimated monthly payment of $2,961). Active program rates also include FHA 30-year fixed loans at 5.974% and VA 0%-down fixed loans at 5.971%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Marriott-Slaterville, UT?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in Marriott-Slaterville, UT have fluctuated between a low of 6.465% and a high of 6.926%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in Marriott-Slaterville, UT?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $641,179 in Marriott-Slaterville, UT, a standard 20%-down Conventional loan requires an upfront cash down payment of $128,236 but keeps your monthly payment lower at $2,961/mo (at 6.844% interest) with no monthly PMI. In comparison, an FHA loan requires only $22,441 (3.5% down) but has an estimated payment of $3,318/mo (at 5.974% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $618,738 falls comfortably within the local HUD FHA loan limit of $737,356 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Marriott-Slaterville before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Marriott-Slaterville is $806,501. With a typical local home value of $641,179 in , a standard 20%-down mortgage requires a loan size of $512,943. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in Marriott-Slaterville, UT impact estimated mortgage payments?
The median home value in Marriott-Slaterville, UT is estimated at $641,179. Buying a typical home here with a standard 20% down payment ($128,236) translates to an estimated starting monthly mortgage payment of $2,961 (principal and interest). Compared to the local area median household income of $108,949 ($9,079/mo), this basic housing payment represents approximately 32.6% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.