Blog

January 25, 2022
On Prequalification Themes for VA Mortgages

For those who qualify, including active military, spouses and veterans, use of the VA loan program is enormously beneficial. Coming with special features like no down payment and no private mortgage insurance, VA loans are one of the government's ways of giving back to its service members -- and if you're looking to take advantage […]

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January 7, 2022
Refinancing from FHA Loan to Conventional Utah Mortgage

There are several forms of mortgage refinancing that homeowners might consider depending on their situation and their financial needs, and one of these involves converting from one loan program to another that might be more beneficial. One example here is a refinance from the FHA loan program into a conventional loan -- why is this […]

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December 28, 2021
Impact of a Job Change on Mortgage or Homebuying

You may receive a number of tips during a mortgage and homebuying situation, and one you may hear is to avoid any situation where you'll be changing jobs during this process. It's true that there are some situations where a job change during a mortgage application or homebuying setting, but it's important to understand the […]

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December 3, 2021
Timing Considerations for Refinancing Your Mortgage

There are a few different reasons why you might consider refinancing your mortgage, from obtaining a lower rate to several others. Many of these will include some important timing-related elements -- choosing exactly when to refinance will often make the difference between a profitable and unprofitable experience. At Integrity First Lending, we're happy to provide […]

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November 30, 2021
Second Home Purchase Benefits and Considerations

Homes can serve both personal and investment purposes in many situations, and a good example of this theme is among those who consider the purchase of a second home. Those who have the financial flexibility to do so may find several different benefits from this move -- both in terms of personal or family comfort […]

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November 5, 2021
Home Offer Cover Letter Basics, Benefits and Tips

In today's competitive housing market, buyers are always looking for little ways to help their home offers stand out to sellers. One method that may be useful for you here: Including a cover letter with your offer. At Integrity First Lending, we've assisted numerous clients with obtaining a quality mortgage loan, plus with using their […]

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October 26, 2021
Visual Cues to Prioritize in a Utah Home Tour

There are several important steps that make up a home search and mortgage application process, and one of them that's often among the most exciting for buyers is touring homes for sale. At the same time, it's important -- especially for first-time buyers who haven't been through this process before -- to know what to […]

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October 1, 2021
What Low Mortgage Rates Mean for Borrowers

If you're a potential homebuyer who's had your ear to the ground in recent months, by now you've likely heard about how low mortgage rates currently are. Is this really the case, and what do low mortgage rates actually mean for you and other buyers? At Integrity First Lending, we're proud to help all our […]

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September 28, 2021
Dos and Don’ts During Mortgage Refinancing

For those looking to refinance their mortgage, now is potentially a great time. Mortgage rates are very low currently, meaning there may be opportunities to refinance your home loan to a lower rate that makes your payment situation more affordable -- but ensuring you've taken the right steps in this process is important. At Integrity […]

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September 3, 2021
Understanding the Pros and Cons of Mortgage Rate Locks

Mortgage rates are in a constant state of fluctuation, and this naturally can create some stress for homebuyers who are looking to nail down the lowest rate possible. One potential solution available to many buyers in this situation: What's known as a mortgage rate lock. At Integrity First Lending, we're happy to assist clients with […]

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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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