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EXCELLENT
39 reviews on
Elise Rodriguez
Elise Rodriguez
January 16, 2024
Ryan Cisney with Advantage Mortgage is the best! That is why we only do business with him and refer all our family and friends to him! He always has time to answer all our questions, no matter how small or silly they feel or if he's already explained it before. He is honest and trustworthy and goes above and beyond. He will also let you know if it is not the best time with rates or not in your best financial interest at that time (even if that comes at a cost for him) and that's how he retains us as clients because he is transparent and up front in all his dealings. Can't recommend him enough and no, I was not compensated to do this review. Highly recommend!!
Jason Lynch
Jason Lynch
October 27, 2023
I worked with Advantage Mortgage and Ryan for my most recent home purchase but also on past purchases and refinances as well. He is very knowledgeable and helpful. It was evident to see he had our best interest in mind and did what was needed to help us. He would often go above and beyond and spend time answering any questions we had for as long as it took for us to understand. He has taken care of us and I don’t see us ever using anyone else. Thank you guys! You are all awesome!
Tim Wermer
Tim Wermer
August 18, 2023
Ryan did an amazing job helping me secure a mortgage. He answered all of my questions and was a great resource. Highly recommend!!!
Jami Smith
Jami Smith
March 18, 2022
Ryan and his team are amazing. In three weeks we were able to go from start to finish in buying a home, including having an appraisal done. His team kept us informed and on task everyday. My parents, my sister, and I have all used Ryan and his team and we have been well pleased. Thank you Ryan and your team for a job well done.
Jordan Stevens
Jordan Stevens
January 6, 2022
Ryan and his team were awesome to deal with. They got my refinance done quickly and answered all my questions with ease. I will be referring all my friends and family without hesitation.
David Skidmore
David Skidmore
September 15, 2021
Great to work with, very responsive to our needs and always willing to take the time needed to allow us to understand. Highly recommend!
Stockton Stoker
Stockton Stoker
September 1, 2021
This process was seamless. The team is very easy to work with, very organized and friendly. If I ever need anything else with my mortgage I will be calling Ryan and his team.
Laurie Younger
Laurie Younger
August 31, 2021
Great service! Would use again!

Current

Utah

Mortgage Rates

FHA Loans

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Last Updated: 2/25/2024

Conventional Loans

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VA Loans

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Last Updated: 2/25/2024

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Ryan Cisney to receive a personalized rate for your specific situation.

Popular Utah Home Loans Which loan is right for YOU?

First Time Homebuyers Utah

FHA Home Loans Utah Utah

FHA home loans are popular among Utah first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans Utah

Conventional Home Loans Utah Utah

A conventional(fixed-rate mortgage) is a popular type of home financing in Utah because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages Utah

Jumbo Home Loans Utah Utah

A jumbo home loan is a mortgage used to finance Utah properties that are too expensive for a conventional conforming loan.

Jumbo Loans

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

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0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Utah? Now may be the right time to start saving money every month!

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months
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Refinancing could save you

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New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

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$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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Ryan Cisney

2334 S. 600 W.
Syracuse, Utah 84075
(385) 446-5801
NMLS# 844493

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