Today's Layton Mortgage Rates
Mortgage rates as of 6/26/2026
Mortgage rates as of 6/26/2026
Layton is anchored by Hill Air Force Base, giving it some of Utah's strongest VA loan demand alongside higher-income dual-earner families. Axent Funding shops multiple lenders for Layton buyers in East Layton, the Colonies of East Pointe, Fairfield Meadows, and the Antelope Drive corridor, comparing VA, FHA, and conventional financing.
Zillow put the typical Layton home value near $493,000 in 2026, with Redfin median sale prices around $495,000 and list prices near $515,000. Most financed purchases land in roughly the $440,000 to $575,000 band, where VA, FHA, and conventional loans are all competitive.
Buyers are active in affluent East Layton, the Colonies of East Pointe, Fairfield Meadows, and near the Layton Hills Mall and Antelope Drive corridor. Hill Air Force Base, the area's largest single-site employer with roughly 27,000 personnel, drives heavy VA volume, while the well-regarded Davis County School District draws move-up families.
In mid-2026, Utah 30-year fixed quotes for strong files were generally in the low-to-mid 6 percent range, with VA loans often the best option for eligible Hill AFB buyers. Nearly all Layton purchases stay within the 2026 conforming limit of $832,750, so the focus is matching the right program to your eligibility and locking the best rate.
Mortgage rates change daily with the market. The current 30-year fixed, 15-year fixed, FHA, and VA rates are shown at the top of this page and updated every business day. For a same-day quote built around your credit, down payment, and price range, call Axent Funding at 801-576-9336.
A bank can only offer its own loans. As a broker, Axent Funding shops multiple lenders for your Layton loan, which usually means more program choices and better pricing on conventional, FHA, VA, and jumbo mortgages. Our fees also run about 25% lower than many competitors, with no processing or junk fees.
It depends on your income, debts, down payment, and the rate you qualify for. Use our affordability and monthly-payment calculators to estimate a range, then call 801-576-9336 and we will firm it up with a free pre-approval, often in 24 hours.
Many buyers qualify with scores in the low-to-mid 600s, and FHA loans can go lower with the right file. Higher scores generally earn lower rates, so we review your credit and shop lenders to match you with the best available pricing.
For 2026, Davis County uses the national baseline conforming loan limit of $832,750 for a one-unit home; only Summit and Wasatch counties are high-cost in Utah. Loans above that amount are jumbo and priced separately. Call 801-576-9336 for the exact current figure for your scenario.
Yes. With Hill Air Force Base's gates in Layton, VA financing is one of our most-requested programs here, often with no down payment and no monthly mortgage insurance. We shop multiple lenders for the best VA rate for veterans, active-duty members, and surviving spouses. Call 801-576-9336.
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At Axent Funding we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you.
We are a Utah Mortgage Broker. We offer standard Conventional, FHA, Utah Housing / No Down Payment, VA, Jumbo Loans and Home Equity Lines. We also have niche loan products for Condotel, One-Time Close Construction, Home Remodel, Reverse Mortgage and Debt Consolidation. Click here on Loan Types for a complete list of all our loan programs.
We make sure our clients get the best support from our staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly. We can close a loan in 3 weeks or less.
Our complete list of loans along with their detailed description will help you decide which loan is good for you.
We have put together some calculators to help you make sense of the numbers.
Here we tried to answer the most important questions you may have. For more answers call 801.576.9336.
"Michael Visser took great care of us on our mortgage. On top of that, he gave us other business advice that was extremely helpful. He knows much more than just the mortgage business. And that is what sets him apart from the competition. Fantastic rate to boot!"
"Mike Visser with Axent Funding has done both my mortgage and my refinance on my house. He was referred to me by my real estate agent. My real estate agent sends most of her clients to Mike for mortgage processing. Both of the loans he has arranged for me have been very smooth. He always makes sure that I am aware of what is going on in the loan process. He made sure I stayed alert to action items I needed to complete to keep the loan process progressing. This last Refinance I thought it would take about a month but it only took 18 days from application to closing including weekends. I have gotten emails from Mike at 11:30 at night so I know he works long hours and weekends to keep the loan process short. I had shopped my refinance at other places and they charged a lot more in fees."
"We just closed on our home and I can say that Axent Funding was great to work with every step of the way. We had peace of mind and confidence throughout the entire process because of Michael's experience. Our confidence was validated when we closed on schedule without any surprises, with a great rate! Thanks Michael!"
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