Home Equity & Renovation Loans in Utah | Integrity First Lending

Our home renovation loans allow you to borrow a fixed amount, which you’ll receive in one lump sum. The loan amount you qualify for is based on the difference between your home’s current market value and your due mortgage balance. In most cases, home renovation loans have a fixed interest rate, term, and monthly payment. Generally, you’ll be able to borrow about 80% of your home’s value, minus what you owe on your mortgage.

Use your equity to make the renovations that you've been dreaming about and enjoy the following benefits:

An easy source of cash – Home renovation loans are a practical and valuable source of cash because of its low interest rate and tax deductibility.

Fixed interest rates – Make budgeting simple. Our loans carry a fixed interest rate, so your monthly payment stays the same over the span of the loan.

Cover large expenses – We provide our loans in one lump sum. This gives you greater flexibility to cover large expenses.

Tax deductions – If you plan to take out a loan to fund a home improvement project, a home renovation loan can help you score significant tax savings. In certain situations, you may deduct the interest if you use the money for capital improvements that go beyond repair.

Talk to one of our qualified mortgage professionals to help you get started today.

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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.