Flexible Home Refinancing Options in Utah

Refinancing is all about saving money. And if your current loan is too expensive or risky, you can refinance in Utah and secure a better loan.

Today's Refinance Rates

Today’s Refinance Rates

15-yr fixed refinance

6.904 APR

30-yr fixed refinance

7.750 APR

Rates subject to change. Refinance based on 740 credit score. Appraised Value $400,000; Loan Amount $300,000.
Refinance Loans

Use current interest rates to put more money in your pocket.

Refinancing is all about saving money. And if your current loan is too expensive or risky, you can refinance in Utah and secure a better loan.

A refinancing transaction occurs when you swap out an old loan for a new one. This involves revising the interest rate, payment schedule, and terms of your previous credit agreement. Your new mortgage program will pay off your old loan, and you can start making payments to your new lender.

If you have good credit history, refinancing can help you get a lower interest rate. But if you’re in too much debt, a refinance could put you in an even trickier position.

Why Refinance Your Loan?

Some borrowers in Utah choose to refinance home loans on debt payments.

Refinancing your home allows you to take advantage of the current low interest rates. As you continue to make more money, it might become easier for you to pay your bills on time and increase your credit score. When this happens, you can procure loans at lower rates, allowing you to save substantial cash every year.

Others refinance to turn their home into a source of extra financing so they can meet their financial goals. By using your home equity, you may be able get a loan that doesn’t require private mortgage insurance, putting hundreds of dollars back in your pocket.Lower your monthly payments and get the money you need for home improvements, pay off high interest rate credit cards, and more.

But first determine if refinancing is right for you.

Our loan officers value honesty and integrity; we offer advice and strategize how we can help you obtain an affordable mortgage rate.

A Stress-Free Refinancing Process

You get great benefits when you refinance your loan with Integrity First Lending. We make refinancing easy: our team works with you to see if you can lower your overall loan amount by taking out a shorter loan, or get out from under your mortgage insurance. If you have an adjustable rate mortgage, you can get a fixed rate and stop the balloon payments, building equity faster. Or just get a new loan with a lower mortgage rate and pay off debt.

We follow an efficient, easy refinancing process. Obtain a new program in three easy steps:

  1. Find the Right Mortgage Rate – Our professional mortgage officers guide you in exploring your options, so you can find solutions that meet your financial needs. We look into current mortgage rates and match you with a loan that aligns with your goals.
  2. Get Pre-approved – When you pre-qualify, Integrity Lending gives you an up-front credit approval on your loan, with a quick and easy closing. Our experts have the integrity and the experience to get you the best loan to refinance you home.
  3. Close Your Loan – Close your loan where you want, right when you want. Our team provides documents and support so that you know the details to your closing costs and loan terms before you sign an agreement.

Flexible Home Refinancing Options in Utah

We offer mortgage programs with flexible guidelines that meet your needs. Our home refinancing options include:

FHA Loans

Get an FHA loan, and use your good credit to get a better interest rate with lower payments. Get tips on great FHA loans with Integrity First Lending.

VA Loans

If you are a veteran, you may be able to refinance up to 100% of your loan without the expense of private mortgage insurance. Make your refinance more important than ever. If you have a VA loan you can lower your interest rate, take out cash on your home, now is the time to call Integrity lending. You served your country, put home buying power in your hands.

Conventional Loans

By using a conventional loan, you can shorten your mortgage to a 15-year loan and shorten your interest paid. Or you can lower your current payment and put money back in your pocket. Use your great credit score to get an even better deal.

Learn more about your refinancing options. Call us today.

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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