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 Be Realistic. Lenders have tightened up loan requirements, so you'll need a good credit score and at least some equity in your home to refinance. To figure out how much equity you have, subtract the total amount that you owe on all of your existing mortgages from how much you think your home is worth. If your credit is severely impaired or you owe more than the value of your home, you probably won't be able to refinance right now.
 See also:
 Integrity First Financial LLC »
Local lender offers home loans. Features types of programs available and FAQs. Based in Salt Lake City.
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 Mortgage Specialists, Inc. »
Offers residential financing services. Includes FAQs, payment and qualification calculators.
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 Applied Lending »
Providing loans for purchase, refinance and construction. Features programs, map to office, list of staff members. Located in Sandy, UT.
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 Citywide Home Loans »
Offers a range of residential finnancing solutions. Features management team bios, staff, details on the loan process. Offices in Salt Lake City and Lehi, UT.
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 Julie Brizzee - Citywide Home Loans »
Citywide Home Loans - Offers a variety of home loans. Features programs, broker profile, overview of the loan process, online application. Based in Salt Lake City.
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 Axiom Financial »
Offers home financing from office locations across the state. Features mission, rates, calculator, client testimonials.
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 Prime Residential Mortgage »
Mortgage services to consumers in Utah and other western states as well as net branch opportunities to other mortgage firms nationwide.
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 If there are only a few years left on your current loan, it's no use refinancing with a long term loan. You may need extra cash but with a long term loan, you'll end up paying more for the entire loan term.
Closing costs can be expensive. If you plan on refinancing your home to save money, be sure to take into consideration how much the closing costs on the new loan will cost you.
Fees are a hidden cost of many mortgage loans. By law, lenders must disclose fees within three days of a loan application. Fees can go by many names like - document prep fees, courier fees, administrative fees, and more.
Refinancing a mortgage means the owners are paying off their existing mortgage and replacing that mortgage with a new loan. Generally, the costs associated with mortgage refinancing are rolled into the loan, meaning they are added to the existing balance, increasing the loan amount.
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