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Best Mortgage Refinance Companies in West Valley City, UT

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored West Valley City Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

80Reviewed

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10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4568 South Highland Drive, Suite 250, Salt Lake City, UT 84117
WebsiteLicense: 1827478

Expertise.com Rating

Review Sources

Google
5.0 (211)

Why choose this provider?

Loan Remedy provides mortgage refinancing services to the West Valley City community. It utilizes technology to streamline the refinancing process and help clients improve their financial situations. Its team of mortgage professionals develops refinancing solutions for individuals who want to have shorter loan terms, debt consolidation funds, or co-borrower removals. In addition, they offer USDA, FHA, and conventional loan options to those who want to purchase their own houses. Loan Remedy is an equal housing lender that has partnerships with Google and Facebook.

  • Reverse Mortgages

11910 South State St. Suite 100, Draper, UT 84020
WebsiteLicense: 85855

Expertise.com Rating

Review Sources

Google
4.9 (2506)
Facebook
4.3 (415)

Why choose this provider?

City Creek Mortgage.com has been providing mortgage refinancing services in West Valley City since 1998. It offers different refinancing programs like conventional, super conforming, jumbo, FHA, and VA loan options. City Creek Mortgage caters to clients in nine states across the USA, including California and Colorado. The office has extended working hours, and its staff is available to assist clients seven days a week. Its founders, Mike and Tobi Roberts, have a background in the construction and home building industry.

  • Reverse Mortgages

1062 E 2100 S Ste 217, Salt Lake City, UT 84106
WebsiteLicense: 1784194

Expertise.com Rating

Review Sources

Google
4.9 (136)
Facebook
5.0 (9)

Why choose this provider?

Salt City Home Loans is a broker company that serves West Valley City. It offers various options to homeowners considering refinancing to obtain a reduced term and rate on their loans. Streamline and cash-out programs are available for FHA, VA, and conventional mortgages. Jumbo loans are also offered. Beyond helping with the selection process, the brokerage manages customers’ mortgages throughout their lifespans. Salt City was founded by Jason Deamer, who entered the home loan industry in 2001.

  • Multi-Family Loans

488 East 6400 S Suite 300, Salt Lake City, UT 84107
WebsiteLicense: 149160

Expertise.com Rating

Review Sources

Google
4.9 (152)
Facebook
5.0 (39)

Why choose this provider?

Utah Mortgage Loan Corporation offers services to individuals in the West Valley City metro. It provides mortgage refinancing solutions to clients that are planning to lower their interest and monthly payments. Its team advises individuals on a mortgage refinancing program based on their needs and goals. The company offers FHA, VA, and USDA loan products. It also provides jumbo home loans and fixed-rate mortgages. Pierre Alley, a loan officer with the company, has the Certified Mortgage Lender designation.

  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

11781 Lone Peak Pkwy #200, Draper, UT 84020
WebsiteLicense: 190465

Expertise.com Rating

Review Sources

Google
4.9 (1495)

Why choose this provider?

Intercap Lending has been providing services in the West Valley City area since 1978. Its clientele includes first-time homebuyers, mover-uppers, relocators, downsizers, and investors. It offers special programs like 203k, help with the down payment, reverse mortgages, and loans based on a bank statement. The company has good relationships with many jumbo loan programs and lenders and investors in niche markets. Intercap Lending is a member of the Mortgage Bankers Association and a direct lender for Fannie Mae, Freddie Mac, and Ginnie Mae. 

  • New Construction

1165 Wilmington Ave #250, Salt Lake City, UT 84106
WebsiteLicense: 3094

Expertise.com Rating

Review Sources

Google
4.9 (1504)
Facebook
4.1 (190)

Why choose this provider?

Primary Residential Mortgage, Inc., caters to clients in West Valley City. It has home refinancing options that combine mortgage, solar panels, and energy-efficient upgrades into a loan. It offers various products such as VA, USDA, jumbo, and conventional loans. FHA Solar Wind and Select, Chenoa Fund, Fresh Start, and HUD program are also available. Its staff discusses different options to assist clients in making informed decisions. The firm has helped over 2,000 homeowners finance smart homes through its services.

  • Multi-Family Loans

2063 E 3900 S, Salt Lake City, UT 84124
WebsiteLicense: 219996

Expertise.com Rating

Review Sources

Google
4.9 (422)

Why choose this provider?

NEO Home Loans offers mortgage refinance programs for physicians in West Valley City and the surrounding communities. It provides a variety of home loan and refinancing options for doctors of various designations, including medical, dental, veterinary, and chiropractic doctors. Its mortgage solutions are created to help residents and fellows close on a home during their residency or fellowship. It also has available physician programs that provide more flexibility in approving 1099-income or newly self-employed borrowers.

  • Reverse Mortgages

512 E Winchester, Murray, UT 84107
WebsiteLicense: 3138

Expertise.com Rating

Review Sources

Google
5.0 (278)
Facebook
5.0 (7)
Yelp
4.0 (7)

Why choose this provider?

Christian Roberts Mortgage, based in Murray, serves clients throughout West Valley City and the surrounding cities. Its team offers a wide range of loan programs, including home equity, fixed-rate, adjustable rate, jumbo, FHA, and VA loans. It assists homeowners who want to have their mortgage loan interest rate lowered and their loan terms reduced. New homebuyers and existing homeowners can browse the company's website and use its assortment of online calculators to view estimates of loan amortizations and payments.

  • New Construction
  • Reverse Mortgages

Salt Lake City, UT 84124
WebsiteLicense: 227765

Expertise.com Rating

Review Sources

Google
4.9 (422)

Why choose this provider?

NEO Home Loans helps clients with their property loans in West Valley City and nearby areas through its refinancing solutions. Its team develops effective mortgage strategies by examining clients' financial situations and long-term goals. The firm offers total cost and savings analysis, assisting borrowers with forecasting finances and using the information in making educated decisions. NEO Home Loans provides mortgage services, envisioning a strong community that has the capacity to maximize wealth through proper financial guidance.

  • Commercial Loans
  • New Construction

11576 S State St. #101A, Draper, UT 84020
WebsiteLicense: 399255

Expertise.com Rating

Review Sources

Google
5.0 (93)
Facebook
5.0 (41)

Why choose this provider?

Cinch Home Loans is a full-service mortgage brokerage firm that has been serving clients in and around West Valley City since 2011. It works to find the ideal financing solutions for borrowers who want to refinance their existing home loans for various purposes, including lowering mortgage rates, consolidating high-interest debt, and reducing loan terms. The firm's specialists advise clients on which available mortgage refinancing program fits their needs. There are also mortgage options for first-time homebuyers, such as FHA, VA, USDA, and jumbo loans.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Loan Remedy
4568 South Highland Drive, Suite 250, Salt Lake City, UT 84117
City Creek Mortgage.com
11910 South State St. Suite 100, Draper, UT 84020
Salt City Home Loans
1062 E 2100 S Ste 217, Salt Lake City, UT 84106
Utah Mortgage Loan Corporation
488 East 6400 S Suite 300, Salt Lake City, UT 84107
Intercap Lending
11781 Lone Peak Pkwy #200, Draper, UT 84020
Primary Residential Mortgage, Inc.
1165 Wilmington Ave #250, Salt Lake City, UT 84106
NEO Home Loans
2063 E 3900 S, Salt Lake City, UT 84124
Christian Roberts Mortgage
512 E Winchester, Murray, UT 84107
NEO Home Loans
Salt Lake City, UT 84124
Cinch Home Loans
11576 S State St. #101A, Draper, UT 84020

FAQs

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • How can West Valley City residents determine if refinancing is right for them?

    When considering refinancing in West Valley City, you should evaluate your financial situation and needs. Begin by assessing current refinance rates, aiming for a minimum one percent decrease in interest rate. Choose a suitable loan term aligned with your goals. Thoroughly understand the contract details, encompassing fees, add-ons, and discount points. Keep in mind that while refinancing offers benefits, it involves costs. Evaluate your financial standing to ensure that refinancing is a financially sound decision for you.

  • Are you still required to fulfill current payments after refinancing in West Valley City?

    Yes, the homeowner is responsible for ensuring timely mortgage payments in West Valley City, even if they have refinanced their mortgage. Not making the payment and not settling payoff funds before the late charge date can result in a late fee. If payment and payoff funds aren't fulfilled by the last business day of the month, it may result in an adverse credit bureau report and might impact future credit prospects.

  • What documentation is required when applying for an Airbnb property refinance in West Valley City?

    When seeking an Airbnb property refinance in West Valley City, you must provide essential documents to validate your rental activity. These include mortgage records proving ownership for at least 12 months and your Airbnb contract. Additionally, a proof of income statement from Airbnb is crucial. Lenders use this documentation to verify your 12-month rental history, potentially averaging income over 24 months. This meticulous process prevents borrowers from securing unaffordable loans and minimizes foreclosure risks.

  • Can mortgage refinancing have a negative impact on credit scores in West Valley City?

    Yes, refinancing a mortgage can potentially lead to a temporary decrease in credit scores for West Valley City residents. However, the associated benefits usually outweigh this minor dip. Refinancing might cause a slight drop due to multiple lender inquiries and a decrease in average account age. Taking out a new loan during the process could also increase credit utilization, temporarily affecting scores. Despite these, the impact is typically recoverable and doesn't outweigh the advantages of refinancing.

  • Are cash-out refinance options available for jumbo mortgages in West Valley City?

    Cash-out refinance options for jumbo mortgages can be pursued in West Valley City. However, one's eligibility depends on equity levels. Lenders often require 20% to 30% equity to qualify. If your equity falls within this range, you might not be eligible. Yet, if your home has significantly more equity, a cash-out refinance could provide funds for various needs, like education expenses or home improvements. You may seek lenders offering jumbo loan cash-out refinance options.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.