September 27, 2022
Can Refinancing a Mortgage Hurt Your Credit Score?

Credit score is a very important metric for virtually all of us, and particularly within the realm of mortgage loans and mortgage refinancing. A common question we receive down these lines from current mortgage owners considering a refinance of their home loan: Can doing so negatively impact their credit score? At Integrity First Lending, we're […]

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September 2, 2022
Key Benefits of a Larger Down Payment on a Home

There are a few components of any homebuying situation that are relatively well-known, and one of these is the down payment. Referring to the amount of money that the homebuyer is putting toward the purchase price of their home in a lump sum at the closing of their purchase, down payments will typically be the […]

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August 30, 2022
What to Do After Your Homebuying Offer is Accepted

One of the single most exciting points in any homebuying journey, at least for most buyers, comes when they receive word that a seller has accepted their home offer. This is a major moment in the process, one that moves you from the searching phase to the buying phase quickly -- and while you should […]

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August 5, 2022
Ways of Tapping Into Your Utah Home Equity

You'll often hear homeownership referred to as a form of investment, and one of the positive sides of this theme is the common ability for homeowners who have built up equity in their home to tap into said equity for their own purposes. What are some of the reasons you might consider doing this, and […]

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July 26, 2022
Reasons to Avoid Major Purchases During Mortgage Application

There are a few suggestions you may receive from your mortgage lender, realtor or other advisors during the homebuying process, and several of these will be in the financial realm. One that you may already be aware of, as it's common advice for new homebuyers: It's best to avoid making any major, life-altering purchases during […]

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July 1, 2022
Understanding Home Equity Lines of Credit and How to Utilize Them

One term you've likely heard a number of times in the mortgage world, but may not totally understand how to take advantage of, is equity in a home. Equity is the difference between what you owe on the mortgage and the value of your home on the market, and high equity allows you to do […]

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June 28, 2022
Home Appraisal Waiver Basics and Considerations

There are a few processes that are typically carried out during a home sale, but may be waived in certain situations depending on the needs of both buyers and sellers. A good example here is the home appraisal, or third party valuation of the home -- this is almost always part of the home purchase […]

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June 3, 2022
Knowing the Signs of Predatory SLC Mortgage Lenders

There are a few terms you never want to be hearing in the mortgage or any other loan world, and one of these is "predatory." A predatory lender is an individual or entity that are out to pull the wool over your eyes and make a quick buck by taking advantage of unsuspecting borrowers, and […]

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May 31, 2022
Why it Pays to Know Your Property Tax

There are a number of elements that homebuyers will be thinking about during this process, including some important financial themes for purchasing and owning a home. One of these that must be considered, and which it pays to know, is your home's property tax. When you work with the pros at Integrity First Lending, we'll […]

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May 6, 2022
On Waiving Contingencies in the Homebuying Process

There are a few things first-time homebuyers will have to learn about as they enter the mortgage and homebuying market, and one of these that becomes important once you find a home you want to buy is the realm of contingencies. Referring to various conditions found in the contract you sign with the seller of […]

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What Our Clients Say About Us

  • “There is a lot of hype about what a great lending company such-and-such is, but I can tell you from my recent personal experience that Integrity First Lending refinanced my home within in 10 days with no hassle. And I mean NO HASSLE. The individuals working for this organization are both professional and, if I may add personally, the nicest people I have ever worked with. Words cannot express how happy my wife and are that we found Integrity First Lending and will unhesitatingly recommend them to anyone looking for an initial or refinanced home loan.”
    Joe L.
  • “What a fantastic team to work with. The commitment and communication with clients are the best. You will be in good hands working with Integrity First Lending. Highly recommended!”
    Mike M.
  • “This is our second time working with Integrity First. Both times we shopped around, checking for the best rates. Integrity had the lowest fees, lower even than the mortgage company who already held our loan. We received excellent customer care each time.”
    Mica T.
  • “Very easy company to work with! Painless refinance process and fast closing!”
    Cody W.
  • “Integrity First Lending is professional, helpful, and knowledgeable. They communicated clearly and regularly, so that I always knew what was happening. They responded promptly to my questions. The process went very smoothly because of their expertise. I highly recommend this team!”
    Becky B.
  • “The Integrity First team epitomizes a "customer-first" attitude. The team's responsiveness and timely communication make them stand out above the rest.”
    Bruce C.
  • “Integrity First has a great team on individuals who made our refinance quick and easy. We were able to do everything ok online through their portal right up until we closed with the title company.”
    Alison D.
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