Your Dream Home Starts With the Right Rate
Get pre-approved in minutes, not days. See your personalized rate with zero credit impact.
*Based on $320K loan, 20% down. Your rate may vary.
Find the Right Loan for You
Whether you're buying your first home, refinancing, or tapping into your equity, we've got you covered.
Buy a Home
First-time or experienced buyer, get pre-approved and shop with confidence.
Get Pre-ApprovedRefinance
Lower your rate, shorten your term, or consolidate debt with a smarter loan.
Check Refi RatesCash-Out Equity
Unlock your home's value for renovations, debt payoff, or major purchases.
See Your OptionsTransparent Rates, Updated Daily
No surprises, no bait-and-switch. What you see is what you get.
Lowest rate, higher upfront cost. Best for long-term holds.
Get This RateBest balance of rate and closing costs. Most borrowers choose this.
Get This RateNo upfront points. Lower closing costs, slightly higher rate.
Get This RateLender credit applied. Lowest closing costs, ideal for short-term.
Get This RateRates as of . Rates shown are for illustrative purposes and subject to change. Based on $320,000 loan, 80% LTV, 740+ credit score. Source: Mortgage News Daily. See Rate Assumptions
See What You Qualify For in Minutes
Answer a few quick questions. No credit pull, no commitment, no pressure.
We're Not Your Typical Lender
Other lenders treat you like a number. We treat you like a neighbor.
Unbeatable Rates
We shop across dozens of wholesale lenders to find you the lowest rate possible. If you find a better rate, we'll match it or beat it.
Close in 21 Days
Our streamlined digital process means you close faster. No endless paperwork, no waiting weeks for answers. We move at your speed.
Local Expertise
We know the Utah market inside and out. Local appraisers, local title companies, and loan officers who live in your community.
Zero Hidden Fees
We publish our fee sheet on day one. No surprise charges at closing. Our transparent pricing means you know exactly what you'll pay.
How We Stack Up
Don't just take our word for it. Compare us to the competition.
| Feature | Rockwell Mortgage | Big Bank Lender | Online Lender |
|---|---|---|---|
| Instant rate quotes (no credit pull) | |||
| Dedicated local loan officer | |||
| Close in under 21 days | |||
| Available evenings & weekends | |||
| Transparent fee sheet (no surprises) | |||
| Access to 50+ wholesale lenders | |||
| No upfront fees or deposits | |||
| FHA, VA, Jumbo, USDA all available | |||
| Google rating (4.9+ stars) |
Estimate Your Monthly Payment
Get a quick estimate of what your mortgage payment could look like.
Estimate only. Actual payments may vary based on credit, loan type, and other factors.
4 Easy Steps to Your New Loan
We've streamlined the mortgage process so you can close faster with less stress.
Check Your Rate
Answer a few questions online and get your personalized rate in under 3 minutes. No credit impact.
Get Pre-Approved
Upload documents securely through our portal. Your dedicated loan officer handles the rest.
Lock Your Rate
Once you've found your home, we lock in your rate and begin processing. Average time: 21 days.
Close & Celebrate
Sign your docs, get your keys, and enjoy your new home. We'll be here whenever you need us.
Real Reviews from Real Homeowners
"We closed on our first home in just 18 days. Our loan officer was available every evening when we had questions. Couldn't have asked for a better experience."
"I refinanced and saved $340/month. The process was entirely digital and my loan officer walked me through every step. Rockwell made it effortless."
"As a veteran, I wanted someone who understood VA loans. Rockwell got me a 0% down loan with an incredible rate. They're the only lender I'll ever use."
Licensed in 3 States & Growing
Wherever you're buying, refinancing, or investing, our team of local experts is ready to help you get the best deal.
- Idaho
- Utah
- Florida
Don't see your state? We're expanding fast. Contact us and we'll connect you with a trusted partner in your area.
Got Questions? We've Got Answers.
What credit score do I need to get a mortgage?
Minimum credit score requirements vary by loan type: Conventional loans require 620+, FHA loans accept 580 with 3.5% down (or 500 with 10% down), VA loans have no VA-mandated minimum (lenders typically look for 580-620), and USDA loans generally require 640. Jumbo loans typically require 700+. At Rockwell Mortgage, we work with borrowers across the credit spectrum in Idaho, Utah, and Florida to find the best program for your situation. A higher score typically means lower rates, saving you thousands over the life of your loan.
How long does the mortgage process take?
The typical mortgage process takes 30-45 days from application to closing. At Rockwell Mortgage, we average 21 days to close thanks to our streamlined digital process and dedicated processing team. Pre-approval can be completed in as little as 15 minutes.
What are today's mortgage rates in Utah?
Mortgage rates change daily based on market conditions. We post updated rates on our website every business day. You can also get a personalized rate quote in under 3 minutes with no credit impact by using our rate tool above.
How much house can I afford?
Your home affordability depends on your income, debts, down payment, credit score, and current interest rates. A general guideline is that your total monthly housing payment should not exceed 28-33% of your gross monthly income. Use our mortgage calculator above or get pre-approved to find out exactly how much home you can afford.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an informal estimate based on self-reported information. Pre-approval is a more thorough process where we verify your income, assets, credit, and employment to issue a conditional commitment for a specific loan amount. Pre-approval carries significantly more weight with sellers and real estate agents.
Do I need a down payment to buy a home?
VA loans offer 0% down for eligible veterans, active-duty military, and surviving spouses. USDA loans offer 0% down for eligible rural and suburban properties. FHA loans require just 3.5% down with a 580+ credit score. Conventional loans start at 3% down with PMI (removable at 20% equity). State-specific assistance programs — like Utah Housing Corporation (UHC) FirstHome Loans and Idaho Housing and Finance Association (IHFA) programs — can further reduce your upfront costs. We help borrowers in ID, UT, and FL access every available program.
Should I refinance my mortgage?
Refinancing can make sense if you can lower your rate by at least 0.5-1%, shorten your loan term, switch from an adjustable to fixed rate, or access home equity. Our loan officers can run a break-even analysis to help you determine if refinancing is worth it for your specific situation.
What documents do I need to apply?
Typically you'll need: 2 years of W-2s or tax returns, 2 recent pay stubs, 2 months of bank statements, a valid photo ID, and information about your current debts. Self-employed borrowers may need additional documentation. Our loan officers will provide a complete checklist tailored to your situation.
Still have questions?
Talk to a Loan OfficerReady to Get Started?
Join over 5,000 happy homeowners who chose Rockwell Mortgage. Get your personalized rate in under 3 minutes.