Expert Guidance, Simple Mortgages

Over 25 years of experience helping people get into their dream home

YOU DESERVE OUR
TIME & RESPECT

At Home Quest, we give you our most valuable asset - our time. Time to identify your particular needs, to walk you through the process step-by-step, and to deliver GREAT RATES with a service grounded in experience.

WE'RE DIFFERENT: OLD SCHOOL WITH THE LATEST TECHNOLOGY

We're available at all times of the day and on the weekends. Many offers are made at odd hours, so you need answers. Meanwhile, we deliver the most secure, cutting edge technology to make the process easy from Application to Closing.

WHAT SOME OF OUR HAPPY CLIENTS HAVE TO SAY

Simplify the loan process and get expert advice.

HQ vs THEM

States we fund in

States We Fund Loans

We are licensed in multiple states.
Click below to learn where you can get a Home Quest mortgage loan.

✓ Idaho

✓ Colorado.

✓ Texas

✓ Utah

Featured Articles

FAQ’s

  • As of February 21, 2025, FHA interest rates range from 5.75% to 6.94% depending on the loan product and term. 

  • Jumbo mortgage rates are the interest rates for loans that are larger than the conforming loan limit set by the U.S. government. Jumbo mortgages can have a fixed rate or an adjustable rate. 

  • A loan term significantly impacts the cost of credit by determining how long you have to repay the loan, with longer terms generally resulting in lower monthly payments but a higher total cost due to accumulating interest over a longer period, while shorter terms mean higher monthly payments but less overall interest paid. 

  • 1. Conventional loans

    2. Fixed-rate mortgages

    3. Adjustable-rate mortgages

    4. High-balance loans

    5. Jumbo mortgages

    6. FHA loans

    7. VA loans

    8. USDA loans

    9. Home equity loans and HELOCs

    10. Reverse mortgages

  • As of February 21, 2025, the national average interest rate for a 30-year VA mortgage is 6.67%. The average interest rate for a 30-year VA refinance is 6.47%. 

  • Mortgage interest is calculated by multiplying the outstanding balance by the annual interest rate, then dividing by 12. This is because most mortgages have monthly payments. Try our Mortgage Calculator today. 

  • As of February 22, 2025, interest rates in Utah are 7.04% for a 30-year fixed mortgage and 6.31% for a 15-year fixed mortgage. 

    • 30-year fixed mortgage: 7.04% interest rate

    • 15-year fixed mortgage: 6.31% interest rate

    • 5/1 adjustable mortgage: 6.898% APR

    • FHA mortgage: 5.924% APR

    • VA mortgage: 6.090% APR

  • Cash-out refinance rates in Utah vary depending on the lender, loan type, and other factors. As of February 2025, some refinance rates in Utah include: 

    • 15-year fixed rate refinance: 6.88% interest rate, 7.34% APR

    • 10-year fixed rate refinance: 7.21% interest rate, 7.92% APR

    • FHA 30-year fixed rate refinance: 6.69% interest rate, 7.45% APR

    • 30-year 5/1 ARM refinance: 6.65% interest rate, 7.05% APR

    • 7-year ARM: 6.681% interest rate, 7.105% APR

    • 5-year ARM: 6.596% interest rate, 7.162% APR

    • 30-year fixed-rate FHA: 6.000% interest rate, 6.810% APR

    • 30-year fixed-rate VA: 5.864% interest rate, 6.255% APR

  • No and here is why: They claim to be non-profit but still make money on the loan and rates are typically higher than a mortgage lender. You are also dealing with a call center instead of a dedicated person to help you.

  • A direct mortgage lender is a financial institution that gives loans to borrowers directly, without using a third party. They may also be called mortgage banks or mortgage lenders.