types of borrowers. The 30-year fixed-rate mortgage is the most common type of loan used for home purchases. It offers a combination of low monthly payments, because they’re stretched out over 30 years, and predictability, because the rate is locked in for the life of the loan.
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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association.
Utah Division of Real Estate – According to Utah law, and now Federal law, any individual, company, company branch, or DBA (whether physically located in Utah or not) that transacts the "business of residential mortgage loans" in Utah must register and/or obtain a license from the Division.
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