VA Mortgage Refinance in Utah

Use a VA mortgage refinance to achieve your financial goals, from getting cash out and consolidating debt to lowering your interest rate and monthly payment. We are a leader in VA refinancing in Utah. Learn how you can benefit from a VA refinance with our help.

What is a VA mortgage loan?

The Veteran’s Administration backs VA loans that are made by banks, savings and loans, and mortgage companies. The loan program has helped returning service members buy a new home, even without a down payment or an excellent credit score. These loans have become a critical lifeline for veterans who are buying a home.

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How can I use a VA mortgage refinance?

You can save money in many ways with a VA mortgage or refinance. VA home loans come with a fee as low as 1.25% and the overall financial benefits make a new home or money saving refinance an affordable option for our veteran men, women, and some of their spouses. In most cases, eligible parties can save with better interest rates, lower closing costs, and no mortgage insurance.

Cash out VA refinances

Whether you would like to take on some house projects or pay off credit cards or student loans, using a VA refinance to get cash back can help you achieve several financial goals at a low cost. During a cash-out refinance, you pay off your first mortgage, get a new one for a larger amount and gain the difference as cash.

The money you receive from a cash-out refinance can be used for anything. Any other type of mortgage loan can be refinanced to a VA loan. A VA loan also requires you to have less equity in your home to get cash out and allows you to refinance more of your home’s value than other loans.

What can I qualify for?

Lower your rate with a VA streamline refinance

If you already have a VA loan, but would like to refinance to get a lower rate, you can apply for the Interest Rate Reduction Refinance loan. This type of loan is also referred to as a VA streamline refinance and therefore has a more quick and simple process.

Although you can’t get cash out with this type of VA refinance, there are many other advantages. These benefits include a lower interest rate, ability to roll refinancing costs into the loan, no new Certificate of Eligibility required, chance to change your mortgage structure (adjustable rate to fixed rate), and a lower VA funding fee than with a cash-out VA refinance. If you do wish to get cash out, you will need to apply for a full refinance.

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Is a VA refinance right for me?

If you are a qualified veteran or service member, or their spouse, and are looking to take advantage of the equity you have in your home or save money by lowering your interest rate and monthly payment, you may consider a VA refinance. Even if you don’t currently have a VA loan, you can take advantage of the benefits by switching loan types.

While any qualifying veteran can do a full VA loan refinance, to qualify for a VA streamline refinance, you must already have a VA loan. If you currently have a VA loan, you may consider a streamline refinance if you currently have an adjustable rate VA mortgage and want to switch to a fixed rate mortgage. Additionally, if you are having any trouble keeping up with your current payments, a streamline refinance can help by lowering your rate, reducing your payment, or extending your term.

In order to be sure what you qualify for and the best financial situation for you, speak with our helpful loan officer staff for today’s rates and a personalized quote. Don’t miss out on taking advantage of this unique and beneficial refinancing option.

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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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