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Best Mortgage Refinance Companies in Provo

2024

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Providers

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Website
373 S 100 W, Payson, UT 84651
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Ryan Mortgage Company caters to locals in Provo. The company assists clients who want to refinance and decrease their interest rates by obtaining another mortgage loan. In addition to refinancing, it offers loan programs, including construction, home equity, FRM, ARM, and reverse credit. Ryan Mortgage Company has won a variety of recognitions, such as The Best of Utah Valley by Daily Herald's Reader's Poll and Business of the Month from the Santaquin Area and Salem chambers of commerce.

License Verified:

License: 290308

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (84)
Google
5.0 / 5 (39)

Website
3550 N University Ave Suite 350, Provo, UT 84604
  • New Construction

Why choose this provider?

Greg Pearson assists clients in Provo and the surrounding areas with their refinancing concerns. He helps them in understanding their options by explaining the various loan programs available, such as VA and FHA streamlines as well as conventional consolidation, rate and term, and cash out. Pearson represents First Colony Mortgage, which was established in 1984. He has been in the industry for more than 30 years. Pearson can assist the Spanish-speaking community. He also aids clients in California.

License Verified:

License: 268411

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
5.0 / 5 (10)
Yelp
3.5 / 5 (9)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
360 Technology Court, Suite 200, Lindon, UT 84042
  • New Construction

Why choose this provider?

Box Home Loans is a full-service mortgage company that caters to property buyers and sellers in Provo. The firm provides clients with mortgage refinance programs that allow them to consolidate debt, lower monthly payments, and reduce loan terms. Some of its refinance options include home equity, cash-out, fixed-rate, and conventional loans. The team also offers home purchase loans such as FHA, VA, and ARM. To better serve their client's needs, the company only serves individuals who are financially responsible and meet their requirements.

License Verified:

License: 1359687

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (807)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1440 N 900 W, Mapleton, UT 84664
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Asbell Team is a full-service mortgage brokerage firm serving Provo. It offers mortgage refinancing to individuals who want to reduce their monthly mortgage payments, consolidate high-interest debt, and pay off loans faster. Its mortgage consultants—who have over 100 years of collective industry experience—collaborate with Homeside Financial to help borrowers determine whether a refinance is the best option for their specific situation. The team only works with referred clients, allowing them to focus on creating personalized plans for people who rely on them.

License Verified:

License: 270856

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (158)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
576 South State, Orem, UT 84058
  • New Construction

Why choose this provider?

Security Home Mortgage offers mortgage refinancing solutions to individuals in Provo. It assists borrowers looking to refinance in order to cash out their home equity for large expenses, such as paying for solar panels. As a mortgage lender and a direct seller to Fannie Mae, the company has access to an extensive list of loan products, such as energy-efficient loans and home renovation loans, giving clients more options and flexibility. Security Home Mortgage has been in business since 1999.

License Verified:

License: 178787

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (228)
Facebook
4.7 / 5 (111)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1261 South 820 East Suite #200, American Fork, UT 84003
  • New Construction

Why choose this provider?

Simplify Home Loans has been offering mortgage refinancing solutions to clients in the Provo metro and the surrounding areas since 2016. Its team arranges refinancing options from conventional lenders and government-backed programs like FHA, VA, and USDA. The firm also works with first-time homebuyers and seasoned investors. Owner Jacob Deegan has been in the mortgage business since 2001. From 2010 to 2014, Jacob was ranked as the highest-producing loan officer of VA loans by Scotsman Guide.

License Verified:

License: 1569026

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (2014)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
62 E 800 N, #202, Spanish Fork, UT 84660
  • New Construction

Why choose this provider?

Remarkable Home Loans provides mortgage solutions for customers in the Provo metro. Its loan officers assist in exploring various financial choices available. They provide financial guidance when buying, selling, refinancing, or developing an ideal house. They have an adjustable-rate mortgage that attracts homebuyers who refinance the loan after the fixed period ends. Other programs are 30-year fixed, VA, jumbo, reverse mortgage, and FHA loans. Executive vice president and loan officer Dave Funk is a former vice president of Zions Bank.

License Verified:

License: 1805193

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (75)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
576 S State Street, Orem, UT 84058
  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Work Harding Home Mortgage Team is a brokerage in Provo that provides an online refinance calculator for clients. Serving the metro and nearby locations, its team of loan officers assists clients in understanding the new terms and rates before availing of mortgage refinancing. The other services they offer include home purchasing loans, divorce lending, and solar financing. The firm provides a variety of loan types, such as fixed-rate, adjustable-rate, USDA-rural housing, HomePath, and lender-paid mortgage insurance.

License Verified:

License: 269043

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (142)
Google
5.0 / 5 (131)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
384 S 400 W, Ste. 100, Lindon, UT 84042
  • Reverse Mortgages

Why choose this provider?

Low VA Rates is a mortgage firm serving clients in Provo. It assists servicemembers and veterans seeking to refinance their current mortgages to lower payments, cash out equity, consolidate debts, or shorten loan terms. It offers two types of VA refinance programs, such as the VA streamline and the cash-out loan. Its specialists help borrowers verify their loan eligibility and find the best program for them. As part of its community outreach efforts, Low VA Rates provides military scholarships and donates to military charities.

License Verified:

License: 1109426

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (2101)
Yelp
3.5 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
384 South 400 West, Lindon, UT 84042
  • Reverse Mortgages

Why choose this provider?

Elevate Mortgage Group serves customers in Provo who need loan and refinancing solutions. These products include adjustable-rate mortgages and conventional loans. Options supported by the USDA are available for clients in the market for rural properties and VA-backed contracts are in place for current and retired military service personnel. The team restructures current obligations into more manageable forms. Company president Eric Kandell entered the combat veterans' financing sector in 1997 and continues to actively support soldiers' support organizations.

License Verified:

License: 1109426

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (59)
Google
4.9 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1982 W Pleasant Grove Blvd, Ste H, Pleasant Grove, UT 84062
  • Multi-Family Loans

Why choose this provider?

Creekside Mortgage has loan and refinancing options for house buyers in Provo. The company rearranges a debtor's current mortgage obligations to reduce the burdens of payment. It delivers products with terms ranging from 15 to 30 years, as well as adjustable or fixed rates. Government-sponsored contracts under Veterans Affairs or the FHA are also available. Creekside Mortgage is an independent group that has ties with over 70 wholesale lenders to give customers a varied selection of choices.

License Verified:

License: 1623316

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
358 W Center St, Orem, UT 84057
  • Multi-Family Loans

Why choose this provider?

Veritas Funding LLC is a mortgage refinance company serving Provo. Reverse mortgages, conventional loans, mortgage refinancing, VA, FHA, USDA, and jumbo loans are among its products. The company relies on its knowledgeable loan officers and operations team to streamline client transactions, and uses its online portal access to speed up the uploading and signing of papers. Kalab Stokes, the organization's branch manager in Orem, has more than 16 years of experience in the mortgage industry.

License Verified:

License: 252108

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (18)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
813 N 900 W, Orem, UT 84057
  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Superior Lending Associates, LC is a firm that offers mortgage refinancing to its Provo-based clients. It also allows streamline refinancing in its FHA and VA loans. Other products include reverse and 203K rehabilitation mortgages, and USDA or RHS loans. They also have loan options for short-term investors. NMLS-registered, the company was founded in 2001. Its website details a ten-step mortgage process and gives its visitors access to online tools like the loan calculator, application checklist, and mortgage glossary.

License Verified:

License: 3152

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (184)
Facebook
4.9 / 5 (73)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
852 South Main Street, Pleasant Grove, UT 84062

Why choose this provider?

Augusta Lending is a mortgage company that works with people in Provo and the surrounding communities. It caters to those looking to refinance their homes to reduce their monthly mortgage payments and lessen their loan terms from 30 years to 15 years. Its refinancing services also help people switch from a government to a conventional loan and eliminate mortgage insurance when applicable. The company uses industry-standard mortgage technology, striving to close clients' loans on time.

License Verified:

License: 353774

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (34)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.
  • What are some advantages of FHA streamline refinance loans in Provo?

    An FHA streamline refinancing loan allows borrowers in Provo with existing FHA mortgages to refinance their mortgages with fewer requirements, such as not having to submit a debt-to-income ratio calculation, income qualification, or home appraisal. As a result, the time it takes to go from applying for an FHA streamline refinance to closing could be as little as three weeks. This refinancing option also has a low credit score threshold of 500.

  • What is the seasoning requirement for FHA streamline refinance loan in Provo?

    Seasoning requirements for FHA-streamlined refinancing loans in Provo are as follows:

    • Borrowers must wait at least six months after the first payment due date on the existing FHA loan. 
    • Borrowers must have made at least six monthly mortgage payments. 
    • Borrowers must ensure that at least 210 days have passed since the closing date of the current FHA loan before applying for a refinance loan.
  • Can you avoid paying for private mortgage insurance through mortgage refinance in Provo?

    Yes. If you refinance your mortgage in Provo and increase your equity to at least 20%, corresponding to an 80% loan-to-value ratio, the private mortgage insurance cost imposed on your loan amount may be removed. Lenders are required by law to terminate PMI when your equity reaches 22% or your loan-to-value ratio falls below 78%.

  • How can refinancing affect your credit score in Provo?

    A mortgage refinance in Provo will appear on your credit report as a hard inquiry. Every hard credit inquiry reduces your credit score by a few points. Taking out a new loan to pay off an existing one will also lower your credit score. Overall, a minor drop in credit score is frequently outweighed by the potential savings from refinancing a mortgage. Responsible actions, such as timely bill payment, can help you improve your ratings.

  • How long must you stay in a home to it fully recoup the refinancing expenses in a mortgage in Provo?

    To determine the number of months you must stay in a home before recouping your refinancing costs: You can divide the total loan costs by the potential savings from the new monthly payments. The formula also determines the time required to reap the full benefits of the refinance loan in Provo.

  • 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.