Did you buy your house when rates were through the roof? Are monthly payments eating into your paycheck? Maybe you’ve leveled up your credit game, or you want to pay your home off faster. If your mortgage terms are stuck in the past and you’re ready for a change, your loan can flex with your life.
Utah First makes it simple, speedy, and surprisingly satisfying to refinance with friendly service, flexible terms, and competitive rates. We make sure home refinancing is a bright spot in your financial journey — so let’s hit the refresh button on your mortgage!
Refinancing your home means swapping your current loan for one that’s smarter and more in line with your life. Homeowners in Utah do it for all kinds of reasons, like:
However you refinance, we’ll keep it simple, fast, and judgment-free.
Wondering if now’s the time to refinance? Quick gut check: If rates are down, your income is up, or your credit is stronger than when you got your initial mortgage, you might be in prime refinance territory!
Not sure? We’ll help you crunch the numbers and give it to you straight. If the math makes sense, we’ll help you lock in a better rate. If it doesn’t, we’ll tell you that, too. Either way, you’ll know exactly where you stand, and that’s a win in itself!
At Utah First, we do custom solutions for real people. And when it comes to refinancing, that means local insight, friendly service, and rates worth bragging about. When you’re part of our crew, you can expect:
When it comes to our competitive rates, we’re more than talk. We deliver some of the best refinance rates in Utah to help you save big and stress less!
We’re Utah through and through. From the Wasatch Front to red-rock country, our loan pros know the local market and all the quirks that come with it.
Need lower payments? A shorter term? A home refinance should fit your goals! We’ll build a plan around you.
Your time matters, , so we don’t make you wait. From application to closing, we’ll guide you through a quick, clear process from “apply” to “approved.”
Refinancing your mortgage with Utah First is easier than you think. Here’s how to get started:
Start the process online from the couch or come see us IRL at one of our nearby branches!
Our friendly loan specialists will review your application and goals and help you explore your best options.
Found your best plan? We’ll help you secure your rate and lock in the sweet spot of savings.
A few signatures later, and you’re on your way to enjoying the shiny new terms that get you closer to your financial goals!
Refinance with Utah First and put yourself back in control of your biggest investment. With us on your side, the process feels less like “ugh, paperwork” and more “wow, that was easy!” Whether you’re saving for the future, funding a remodel, or just want to breathe easier every month, we’ve got you.
Start your refinance online or stop by your local branch, and let’s get you to that lower-rate, higher-freedom life you deserve!
It’s kind of like a mortgage do-over where you get a better deal on the same house. You replace your old loan with a new one that fits your current goals (like a lower rate, smaller payment or extra cash to play with).
We keep it real! You’ll get competitive rates, fast answers, and a friendly Utah-based team that treats you like the cool person you are. We make refinancing fast, easy, and a lot more exciting than it sounds.
If you want to lower your monthly payment, pay off your mortgage faster, get cash out for major expenses, or lock in a better rate, refinancing might be a smart move. Our team can walk you through the numbers and help you decide.
We’ve got every flavor of refinance — rate-and-term, cash-out, and FHA/VA streamline. Whether you want lower payments or cash in hand, we’ll help you find your perfect fit for your goals.
Depends on your loan, credit, and new rate — but it could be a lot! We’ll calculate your potential savings upfront so you can see exactly what’s in it for you. Many of our members save thousands over the life of their loan!
It doesn’t have to be. There are some standard fees (appraisals, title, closing), but we offer low- and no-fee options and always make sure you know exactly what you’re paying for (and why).
You might see a tiny dip when we check your credit, but it’s short-lived. Keep making payments on time, and your score will bounce back fast!
Most refinances wrap up in 30 days or less, which is pretty quick in mortgage time. We move fast, so you can start saving sooner.
Yep! We’ve helped lots of members with colorful credit histories refinance successfully. We look at your full financial picture, not just a number on a screen. If there’s a way to make it work, we’ll find it.
However you’re most comfortable! Stop by a branch, give us a ring, or start the process online. Our financial experts will handle the heavy lifting and keep you updated the whole way through.