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Best Mortgage Refinance Companies in Provo

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Asbell Team logo

Asbell Team

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

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.

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Augusta Lending logo

Augusta Lending

852 South Main Street, Pleasant Grove, UT 84062
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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.

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Box Home Loans logo

Box Home Loans

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

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.

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First National Mortgage logo

First National Mortgage

397 North Main Street, Spanish Fork, UT 84660
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  • New Construction

First National Mortgage offers its services to prospective loan applicants within Provo. Its experts are available for consultations involving refinancing for those who seek to pay off their debts, reduce their monthly payments, and obtain improved rates for their mortgages. They tailor their counsel based on details involving an applicant's financial situation, long-term goals, and credit score. They are led by the agency's broker, Julie Crow, who has been providing clients with commercial, conventional, FHA, and USDA loan options for over two decades.

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Low VA Rates logo

Low VA Rates

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

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.

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Remarkable Home Loans logo

Remarkable Home Loans

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

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.

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Simplify Home Loans logo

Simplify Home Loans

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

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.

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Work Harding Mortgage Team logo

Work Harding Mortgage Team

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

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.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

Q: How often should you refinance your mortgage?

A: There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Q: Can you refinance a first mortgage and not a second?

A: You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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