Refinance Mortgage in Ogden

Let us help you get the right loan for the house you want

Wasatch Peaks can help you maximize the value of your most important investment by finding the mortgage product that fits your needs. After all, home refinancing in Ogden and northern Utah is easier with us.

Whether you're looking to build, refinance, remodel, take a vacation, consolidate your debt, send yourself or child to college, or pay for a wedding, our mortgage loans can help you reach your financial goals. Our interest rates are always competitive; and we will work to find you the best mortgage rates in Ogden and in Northern Utah. In most cases, you may qualify for tax benefits, so be sure to consult your financial advisor.

Getting your mortgage loan in Ogden from Wasatch Peaks is a simple, hassle-free experience. We offer the following mortgage loans:

Conventional Loans

A Conventional Mortgage is simply any mortgage loan that is not insured or guaranteed by the federal or state government. Conventional Mortgages typically require a higher down payment, usually 5%–20%. They also have higher income and credit score requirements than government loans. Conventional Mortgages can have a fixed interest rate or an adjustable interest rate. Typical fixed-rate loans have a term of 30 or 15 years. 

Home Renovation Loans

Renovation Loans are designed for people wanting to finance both the mortgage to purchase or refinance a fixer-upper and the funds needed to repair and remodel the property all in a single loan with one application, one closing, and one monthly payment. The loan amount is determined by using the after-improved value.

FHA Loans

FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.

Downpayment Assistance Programs

We work with Homestart, Utah Housing and other local programs to help you with the down payment on the purchase of your new home.

VA Loans

A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members. It offers some very great benefits to those that have served our country.

USDA Loans

A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.

Jumbo Loans

A Jumbo loan is a mortgage loan that exceeds the conventional limit of $417,000.00. This type of mortgage loan takes longer to close and it has to go through 2 underwriting processes. In some cases it might require 2 appraisals.

Improved Lot Loans

Got your eye on the perfect lot to build your first home, your dream home, or a recreational piece of property for a cabin... we can help. Buying land is always a great investment and Wasatch Peaks Credit Union has great rates and terms.

Construction Loans

Our construction loan can save you money with our fixed rates and low origination fee. This is especially true if you also allow us to do the long term financing when your construction is completed.


When you apply for a Wasatch Peaks Credit Union Mortgage Loan, the following documents will be needed to expedite your loan approval:

  • Income Verification
  • Two Years' Tax Returns (If self-employed – Personal & Business Tax Returns)
  • First Mortgage Statement
  • Current or Recent Appraisal
  • Homeowner's Insurance statement.

Purchasing or refinancing a home is easy! Our credit union mortgage professionals — Kara Beth Santillan, Patricia Taffs, and Greg Washburn — can help determine the best financing for your specific or special financial situation. Build, buy, or refinance your mortgage in Ogden the easy, cost effective, and convenient way. At Wasatch Peaks Credit Union, we offer low competitive rates and a variety of terms to suit every need or financial situation.


Apply for Your Mortgage Loan Now!