Blog

November 15, 2019
When to Lock in a Mortgage Interest Rate

If you’re thinking about buying a home, getting the lowest possible interest rate is crucial; low interest rates mean a lower total monthly payment, and lower payments over the life of the loan. On a $250,000 house, a 0.5% increase in your interest rate adds about $75 to your monthly payment, and over the life […]

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November 8, 2019
Four Renovations that Can Increase Home Value

If you’re like many homeowners, the value of your home has increased in recent years with a good economy. That increase in home value means you have more equity, and you might be considering using some of that equity to renovate and improve your home. Before you do, though, make sure that the renovations you’re […]

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November 1, 2019
Do You Know How to Improve Your Credit Score?

Your credit score holds a lot of power over your life, but many people lack an understanding of their own credit score (and how to improve it), and not knowing the truth or believing some of the myths out there can significantly impact every part of your financial life. A credit score is a number […]

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October 18, 2019
Mortgage Recast or Refinance Loan – Which Option Is Best?

Are you looking to lower your monthly home loan payment? You can achieve that goal with a mortgage recast or a refinance loan. Plus, by recasting or refinancing your mortgage, you’ll also pay less in overall interest. To know which option would be your best financial move, you need to understand how they differ. Here, […]

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October 11, 2019
How VA Home Loans Compare to Conventional Mortgages

If you’re a veteran, an active-duty service member, reservist or military spouse, taking advantage of your VA home loan benefits may be a smart decision. Mortgages through the U.S. Department of Veterans Affairs come with several advantages that can make buying a home easier on you and your budget. However, no single financing solution is […]

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October 4, 2019
How to Qualify for a Utah Investment Property Loan

Getting an investment property loan isn’t as easy as getting a home mortgage. Lenders have stricter requirements for real estate investors, so anyone looking to become a landlord needs to be in a strong financial position. Why the tighter lending standards? Simply put, investment loans are riskier for lenders, as rental properties have higher default […]

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September 20, 2019
Understanding New Home Construction Loans

Do you want to build a house? A new home construction loan can provide you with the funds you need. Unlike a standard home loan, which often comes with a 15-year or 30-year term, a construction loan has a much shorter lifespan – the term is usually a year or less, however long it takes […]

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September 13, 2019
Mortgage Down Payments – How Much Do You Need to Buy a Home?

If you’re planning to take out a mortgage to buy a home, you will likely need a down payment. In other words, you will probably have to pay some cash upfront in order to get a home loan. How much money will you need to save up? Mortgage lenders often prefer 20 percent down payments, […]

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September 6, 2019
Home Loan Refinancing – Pros & Cons of Property Appraisals

Home loan refinancing can allow you to take advantage of lower mortgage rates, thereby reducing your monthly payment and your overall interest costs. Before approving a refinance loan, however, some lenders require a professional property appraisal. But, that isn’t the case for mortgages through the Federal Housing Administration (FHA) or the Department of Veterans Affairs […]

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August 25, 2019
PITI: Home Loan Payments Explained

Your home loan payment may make up a significant part of your monthly budget, so understanding where the mortgage money goes is important. Contrary to what many people think, you are not just paying back the money you borrow. Here, we explain the four components of a home loan payment -- principal, interest, taxes and […]

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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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