mortgages Archives - Utah First Credit Union

Couple in front of illustrated home considering refinancing

May 04, 2026 / Mortgages

Should You Refinance to a 15-Year Mortgage?

What would you do with an extra $200,000? For many homeowners, that’s roughly what’s on the table when they refinance from a 30-year mortgage to a 15-year mortgage — not as a check in the mail, but as interest they never have to pay in the first place. A 15-year refi isn’t the right move…

Feb 19, 2026 / Money Tips

To Refi or Not to Refi? 6 Mortgage Questions to Ask Yourself

If you’re a Utah homeowner, you’ve probably asked yourself at some point, “When is the right time to refinance my home?” Totally fair question, and the answer is different for everyone. Refinancing can be a super savvy move when it fits your life, goals, and timing. Whether you’re looking to lower your monthly payment,…

Illustration of coin dropping into a house like a piggy bank

Jun 10, 2020 / Home Equity

Turn Your Home Equity Into Opportunity With a Cash-Out Refinance

Your home does a lot more than give you a cozy place to land at the end of the day. As you pay down your mortgage and your home grows in value, you build equity that can help fund your next goals. Cash-out refinancing is…

Jun 10, 2020 / Home Equity

When Does Refinancing Make Sense? A Utah Homeowner’s Checklist

At Utah First Credit Union, we know Utah homeowners often wonder, “When is the right time to refinance my home?” Refinancing can be a savvy move if it aligns with your financial goals – whether that’s saving money on your monthly payment or tapping into…