If you are living in Utah and facing problems with past bankruptcy and credit problems than don't get worried as there are lots of mortgage brokers and banks that can help you. You also need to be careful with mortgage brokers as sometime people have to pay a huge amount of money that they borrowed in a disguise of other charges. Generally mortgage loans in other countries are different from the other ones but in the state of Utah the interest on mortgage loans charged by different banks is generally high. Some of the mortgage brokers charge different types of penalties that are not understandable by the borrowers' and they take loans without going through all the processes. Check to see what the mortgage rates in UT are.