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First Community Bank Utah
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Mortgage Loans

row of houses in Utah

Why choose First Community Bank Mortgage Lenders? 

We're a local bank with local solutions. We empower every homebuyer with clarity, confidence, and expertise, delivering clear mortgage solutions that fit your life, not just your loan.
 

Turn your home dreams into a reality.

Are you ready to finance the house of your dreams? Whether you’re a first time-home buyer or just looking to upgrade, we can help you find the loan that makes you feel right at home. Not all mortgages are created equal. Let our experienced lenders help you sort through the financing options! Explore the solutions below to begin your journey: 


 

Current Homebuyer Incentives

New Construction Home Benefit*

Receive benefits on your long-term financing for your new build. Get up to $8,065 or a 1% discount when you finance with FCB!  You can apply this benefit to help with any of the following: 

  • Closing costs
  • Prepaid items
  • Permanent interest rate buy down
  • Temporary interest rate buy down

Relationship Pricing**

Receive a mortgage discount in the form of point reductions to reduce interest rate or closing costs when you develop a deposit relationship with First Community Bank. We offer the following benefits: 

Checking Account Discount | Receive a 0.25% points discount with any FCB Checking Account and auto-pay of new mortgage

Deposit Relationship Discounts | Receive various points discounts for deposit balances in a FCB account for the following tiers: 

  • $50,000-$99,999 = 0.125% points discount
  • $100,000 plus = 0.25% points discount

The Checking and Deposit Relationship Discounts can be combined (ex. Checking Account discount of 0.25% plus $100,000 plus in deposits of 0.25% equal a total discount of 0.50% in points).

Veteran's Program

Creating homeownership for those who serve! Get up to $8,065 or a 1% discount when you finance with FCB! You can apply this benefit to help with any of the following:
  • Closing Costs
  • Prepaid Items
  • Permanent or Temporary Interest
  • Rate Buy down

We offer product types for every need. 

Purchase Loans

We have solutions for First-time Homebuyers, existing home buyers, second homes, and investors. Start today by getting a pre-approved and help with piece of mind on qualifying, before you shop for a new home! 

Refinances Loan Options

Use your home’s equity to lower monthly payments, consolidate debt, or access cash for other financial goals.

Did you know we offer mortgage solutions in 10 states?

  • Fixed or adjustable rates
  • Down payment as low as 3% (with MI)
  • Competitive rates and flexible terms 
  • Government backed mortgage program
  • Minimum down payment as low as 3.5%.
  • Ideal for lower credit scores
  • Popular choice or First-time Homebuyers 
  • Exclusive home loan benefit available to eligible U.S. veterans, active duty, service members, and certain surviving spouses.
  • Backed by the U.S. Department of Veterans Affairs
  • No down payment required for most purchase transactions 
  • No monthly mortgage insurance 
  • Competitive interest rates 
  • Government backed mortgage program from the U.S. Department of Agriculture 
  • Designed to help low to moderate income buyers purchase homes in eligible rural and suburban areas.
  • Offers affordable home financing with no down payment required.
We offer a multitude of construction products to cater to your financial needs:
One-time Close 
  • 7/1 ARM
  • 10/1 ARM
  • 30 year fixed rate
  • One application, one approval, one closing.
  • Designed to finance the construction of a new home with a smooth transition to a permanent mortgage.
  • Interest only payments during construction. 
Two-time Close
  • Traditional construction financing with two separate loans.
  • Offers flexibility in loan terms and potentially lower permanent financing rates.
  • Two separate closings - one at the start of construction and one at the conversion to a permanent mortgage.
  • Interest only payments during construction.
  • Flexible financing options for purchasing residential lots or vacant land.
  • Offers short term and long term options to fit your timeline.
  • 3-Year Balloon - 30 year amortization
  • 15 year 5/5 Adjustable Rate Mortgage (ARM)
  • Ability to roll into a construction loan.
  • Minimum down payment as low as 25%.
  • Loan amounts exceeding conforming limits - varies by county (check current limits)
Being a medical professional can take years of work, dedication and often financial sacrifice. At First Community Bank our medical professional home loan can assist medical, dental or wellness professionals to overcome the unique challenges faced when qualifying for a home loan-especially if you are just starting out. 
  • Up to 100% financing
  • Internships and residency included
  • Student loan debt is excluded
All loan decisions are subject to First community Bank approval. Any Student Loan debt deferred for 12 months or more is not included in the calculation of the debt-to-income ratio. Owner-Occupied Primary residence only. No secondary financing allowed. Borrower must have an existing depository relationships with First Community Bank or any Division of Glacier Bank prior to closing.


*New Construction Home Benefit and VA Program | Offer valid for up to $8,065 or 1% of loan amount, whichever is smaller. Available with First Community Bank secondary market conventional, Jumbo, FHA, and VA Loans up to $806,500.

Offer only valid for costs described and cannot be used to decrease loan amount. Not valid with custom construction or any other promotion. Loan must close with First Community Bank. Employees are not eligible for builder promotion. All loan decisions are subject to First Community Bank's internal lending constraints  and the unique credit circumstances of the borrower. 

**Relationship Pricing Benefit can be applied to any mortgage product with the exception of 12 Month Construction only loans. The program can be applied to the permanent loan. The new account and deposits must be established and in the account, verified by underwriting, before the discount can be applied to the loan and disclosed.

The program cannot be combined with any other mortgage promotion and is subject to change at the discretion of First Community Bank. Employees are not eligible for builder promotion. All loan decisions are subject to First Community Bank's internal lending constraints  and the unique credit circumstances of the borrower.