Today's Orem Mortgage Rates
Mortgage rates as of 6/26/2026
Mortgage rates as of 6/26/2026
Orem, known as Family City USA and home to UVU, blends first-time, family, and student-area demand. Axent Funding shops multiple lenders for Orem buyers in Northridge, Sunset Heights, Bonneville, and Hillcrest, comparing FHA, conventional, and Utah Housing options so first-time and move-up buyers get a competitive rate with no junk fees.
Zillow put the typical Orem home value near $482,000 in 2026, down about 6 percent year over year. Most financed purchases land in roughly the $430,000 to $575,000 band, where FHA, Utah Housing assistance, and low-down-payment conventional loans are common and the rate has a real effect on affordability.
Buyers are active in Northridge and Orem North, Sunset Heights, Bonneville, and Hillcrest. With UVU, healthcare, and retail driving employment, the market leans toward families and first-time buyers, with steady student-area demand near the university.
In mid-2026, Utah 30-year fixed quotes for strong files were generally in the low-to-mid 6 percent range, with FHA frequently a strong fit in Orem. Nearly all purchases stay within the 2026 conforming limit of $832,750, so the main choice is rate versus fees and whether FHA or conventional gives you the lower payment.
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 Orem 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, Utah 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.
Absolutely. First-time buyers are a core part of our Orem business. We walk you through pre-approval, explain FHA, Utah Housing down-payment assistance, and low-down-payment conventional options, and shop lenders for a competitive rate. Call 801-576-9336 to get started.
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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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