Current Rates

2.625% and 2.755% APRR

(as of this week Apr 22, 2021)

OK, you landed here expecting the lowest mortgage rate, right?

So the answer is YES. You’ll get the lowest mortgage rate and best terms available anywhere. Here are 3 reasons why:

It’s What We Do

We’re Low Rate Mortgage. That’s why we chose the name.

Why Us?

Smart Calculator

We have this cool calculator that will help you quickly find the best all-around fit for you.

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Match Any Offer

In the off-chance that we’re not the lowest rate (hard to imagine, but could happen) we will match any legitimate lower rate you find elsewhere.

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That’s the easy part. There’s so much more. Here are 2 More Reasons so many people choose to work with us:

Low Rate Mortgage


Our non-salaried financing advisors work for YOU. No Salaried fat cat loan officers Here. Your loan will be approved in hours, not weeks.

“The single biggest complaint we get from clients is that we move too fast!” – Andrew Guiterrez, CEO, Low Rate Mortgage

See How

Experienced Advice = Smart Options

Before locking in one of the biggest financial decisions of your life, let our Financing Advisors explore options other firms usually won’t share with you. Like leveraging your mortgage into a financial asset rather than a burden; or maximizing your available cash. We’ll help you find the perfect fit for your home financing dreams and set you up for long-term financial success.

Explore Options
Smart Options

What Would You Like To Do?

Instant Rate Quote

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What Can I Afford?

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Explore Loan Options

Get Started

Should I Refinance?

Get Started

Our 3 step process to your preferred-fit loan. FAST!


Call Us

Talk to our experts and prepare your necessary loan documents.

Share Documents

Provide Income: 30 Day Paystubs, Previous 2 years W2's, Unexpired Picture Identification, Homeowner's Insurance Information, Previous month's mortgage statement.

Get Pre-Approved!

Sign and receive funding!

Mortgage Rate Info

Home Purchase Rates

2.625% and 2.755% APRR*

Contact Us
These rates are current as of 3:26 PM UTC on April 22, 2021

Real People, Real Scenarios

He gave us options, and all of the information for us to make our own educated decision on what would work for our current situation. Thank you again Andrew and team!

Alena G.

Refinancing a home is pretty intimidating. It really is comforting having someone who actually cares about your best interests.

Alena G.

Low rate mortgage was fantastic! When I was told by another company they could beat their rates and closing costs would be cheaper I was all for it. Turns out that was not the case!

Laura Spoole

The Low rate mortgage team was able to get the loan done without false promises and very competitive rates. Thank you to Everyone for making it possible to own my own home!

Laura Spoole

Getting a mortgage is an absolute nightmare! but they helped me to understand the process, and always made sure I knew what I needed to do at each step.

D. Moss

I have nothing but amazing things to say about these guys! It felt like they were available to us 24/7, and we felt like our paperwork was top priority even though we know they had other clients and projects they were working on.

Tanner Dannis

I love how the entire process was effortless on my part. Definitely who I’m recommending to my friends and family.

Dawn Lockheat

Get Started With Your Preferred Loan


You deserve someone who you can trust while you’re making one of the biggest decisions in your life.  From the second you reach out to us, until you can call that new home yours, our consultants will be there for you, throughout the entire home-buying process.

Get a Quote


You deserve someone who you can trust while you’re making one of the biggest decisions in your life.  From the second you reach out to us, until you can call that new home yours, our consultants will be there for you, throughout the entire home-buying process.

Get a Quote


With all of the spacious land just on the outskirts of Utah’s big cities, a home outside the city limits can prove to be an exceptional option. Fewer people, bigger property lots and far less traffic are upsides to living in rural areas – some of these areas are closer to big cities than you might think. Plus, there’s a loan you could qualify for that only people wanting to live outside of big cities can obtain.

Get a Quote

Utah Housing

If you’re a Utah resident looking for a home, the Utah Housing Program may be the right program for you, especially if you’re struggling to come up with enough money for a down payment or closing costs – if you qualify, there’s a good chance that the Housing Program loans will be a game-changer.

Get a Quote

Down Payment Assistance

Did you ever imagine that it was possible to get a loan with no down payment or as little as one percent? Don’t just fool yourself into thinking that you have to put 20 percent down to buy a house – that may have been the case in the past, but things are different now, allowing you to get into a home of your own without a substantial initial investment.

Get a Quote


If you’re a veteran looking to buy a home, your service means you could possibly pay absolutely nothing down on your next home. Promising lower rates and better payment terms, these loans make it so that every veteran or active US military member should look into this type of loan when buying a home.

Get a Quote
Low rateLock inLow Mortgage RateMortgage RateUncategorized
June 14, 2021

Lock in Your Low Mortgage Rate Now

 Which Way Mortgage Interest Rates? Leave Forecasting to the Experts - Lock in Your Low Mortgage Rate Now Low Mortgage - There has been a lot of buzz recently about…
Mortgage RateMortgage RateUncategorized
May 22, 2021

Low Mortgage Rate? Check! Now What?

Low Mortgage Rate - Everyone loves a low rate on their mortgage. And low closing costs. But this financial decision - possibly the biggest of your life - is about…
Jose Gotino
extremely professionals, easy way to achieve your goals
Houstin Elwell
If you're looking to refinance your house look no further this place is the fastest And most respectable company I have worked with yet All of their staff is professional And they get things done very fast and answer any questions you may have and one big plus is if you can't make it up to salt Lake area to sign paperwork they will send somebody to your house To help you sign the papers in the convenience of your own home Well done low rate mortgage
Jesse Turner
tony graham
I decided to refinance my home with all the lower rates going on. I had 3 different quotes including low rate. I found that low rate was almost the same cost as my bank so I had them compete and they were able to get my closing costs cheaper making them the better loan. I talked with Andrew and he gave me information about refinancing that helped me choose the best loan for my situation. He also suggested that I don't buy down my loan because it would make my closing cost higher. Other companies don't go in to that much depth and were not as helpful. I would recommend low rate in draper and talk to Andrew.
Camille Fraga
We had the Best!! Experience refinancing our home with low rate mortgage. Any time I had a question or didn’t understand anything the whole team was quick to either call me back or email me back with in minutes. I would most definitely go through them again very happy! Thank you once again!
Kim Woodward
I just refinanced with Low Rate Mortgage, Andrew and especially Jamie were absolutely amazing. I had a bad experience previously and Jamie was so awesome to work with and made the process easy and painless. I highly recommend them.
Debbie Frisby
Low Rate mortgage did a great job! it was a pretty easy process, I was able to sign from my own home which made it super convenient. the closing costs were a little more than what i thought they would be. but getting a lower interest rate and paying off some other things will make a monthly payments a lot less, Thank you to Andrew and Janson for all your assistance! I would highly recommend them. :).
Matthew Frost
Refinancing through Low Rate Mortgage was fairly easy and I never had to leave my house (when it came time to sign paperwork, they arranged for a notary to come). While the rate my wife and I got was amazing, we paid roughly double in closing costs compared to what we'd normally expect to pay through another company. Overall, they had the best rate out of all the companies we looked at (before and after starting the process) and the math just made sense in the long run. I'd recommend them others, but do your homework to make sure the math makes sense for the duration you intend to stay in your home. They also offered options for variable term lengths so that we didn't have to be stuck completely resetting our interest. Moving from a 3.5% 30 year loan to a 1.99% 15 year loan will cost more for a while, but we're paying significantly lower interest overall (keeping a 30 or 29 year loan would have also been possible if we just wanted to lower our monthly payment, but we saw an opportunity to pay the mortgage off faster at a great rate... so we took it).
Virginia Abbott
Low Rate Mortgage was the only one who was able to help us. Jamie was great to work with!!! Always answered my calls or called back ASAP! I am definitely referring friends to her. THANK YOU JAMIE an Low Rate Mortgage!!
Dar's Allstars
Very Easy to work with. Everything done online. Notary comes right to your house.


(385) 247-3244

We’d love to hear from you. Give us a call anytime, stop by our office for a free tour of the facility, or fill out our contact form and let’s get started today!