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Best Mortgage Refinance Companies in Sandy

2024

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Website
11576 So. State St. Suite 202, Draper, UT 84020
  • Reverse Mortgages

Why choose this provider?

Olympus Funding works with homeowners in Sandy who want to consider mortgage refinancing. It is a mortgage company based in Draper that helps borrowers decide if refinancing is a sound financial move by educating them about its benefits and giving them a variety of options. It guides homebuyers in the process of securing home loan products, such as FHA, VA, and conventional mortgages. In addition, Olympus Funding offers assistance or advice to clients seeking construction loans.

License Verified:

License: 248612

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 (60)
Facebook
5.0 / 5 (7)

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
9730 S. 700 E. Ste. 101, Sandy, UT 84070
  • New Construction

Why choose this provider?

Alliance Lending Services (ALS) is a Sandy-based mortgage broker that provides refinancing solutions to homeowners in the metro. It employs electronic loan processing and daily communication systems to enhance the refinancing experience of borrowers. Its loan officers plan strategies, provide mortgage calculators, and deploy market knowledge to help clients accomplish refinancing transactions. ALS has been catering to the mortgage needs of the community since 2004 and has Personal Loan Center, an online dashboard service.

License Verified:

License: 304510

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 (161)
Facebook
5.0 / 5 (36)
Yelp
5.0 / 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
10542 Jordan Gateway Suite 300,, South Jordan, UT 84095
  • Reverse Mortgages

Why choose this provider?

Luneta Home Loans helps people in Sandy refinance their existing mortgages to lower their interest rates. The brokerage offers jumbo, reverse, and adjustable-rate mortgages that match the individual needs and financial resources of homeowners, home buyers, and real estate investors. Its loan officer, Joshua Clayson, has been in the financial services industry for over 13 years. In addition, he is a Xinnix-certified originator who has completed 300 hours of course study, 25 case studies, and 70 lessons covering the mortgage industry.

License Verified:

License: 2027806

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 (77)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9272 South 700 East, Sandy, UT 84070
  • New Construction

Why choose this provider?

RANLife is a mortgage company that serves customers in the Sandy area. It has in-house processors, funders, underwriters, and closers who cater to clients refinancing their mortgage or purchasing a home. Its refinancing options include FHA streamline, cash-out refinance, and 15-year fixed mortgage, allowing customers access to equity to consolidate their debt and lower their monthly mortgage payments. The company donates a portion of its profits to Walk MS, a local organization that supports people affected by multiple sclerosis.

License Verified:

License: 3151

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
4.7 / 5 (1050)
Facebook
4.5 / 5 (106)
Yelp
2.5 / 5 (45)

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
9490 S 300 W #100, Sandy, UT 84070
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Momentum Loans is a mortgage company that serves clients in the Sandy area. It offers refinancing solutions for primary and second homes and investment properties. It provides a wide variety of programs, including conventional, FHA, VA, USDA, jumbo, and non-traditional loans. It also assists seniors aged 62 and over with reverse mortgages that provide flexibility for monthly cash flows. Momentum Loans holds licenses in 10 states. One of its loan officers, James Cahoon, has over a decade of mortgage industry experience.

License Verified:

License: 1606597

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
Facebook
4.9 / 5 (432)
Google
4.1 / 5 (33)

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
12401 S. 450 East Suite F1, Draper, UT 84020
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Innovative Mortgage Alliance caters to clients in Sandy. It has mortgage refinancing options for vacation homes, investment properties, condominiums, single-family houses, and multi-unit apartments. In addition, it has fixed-rate and adjustable-rate mortgages with loan terms ranging from five to 30 years. Peter Skaggs, the owner of the brokerage firm, has been in the industry since 2007. He is a former president of the Utah Association of Mortgage Professionals. The company has helped individuals close more than $500 million worth of loans.

License Verified:

License: 175407

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 (364)
Facebook
5.0 / 5 (30)

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
10542 S Jordan Gtwy, Ste. 300, South Jordan, UT 84095

Why choose this provider?

Luneta Home Loans caters to homeowners and property buyers in Sandy and the surrounding areas. The company offers mortgage refinancing services focusing on reducing clients' interest rates, changing their terms or loan lengths, and lowering their monthly payments. These mortgage refinancing services also allow clients to obtain cash from their home's equity. Its team also guides individuals in choosing loan options suitable for their needs, including jumbo and super jumbo, USDA, VA, and FHA. Home purchasing loans are also available.

License Verified:

License: 2027806

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 (77)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11925 S. 700 E., Draper, UT 84020
  • Reverse Mortgages

Why choose this provider?

Simply Home Mortgage serves veteran and first-time homebuyers in Sandy and nearby communities. The agency provides different home loan options, such as reverse mortgages, USDA, ARM, renovation, jumbo, and VA loans. It partners with several lenders to help clients purchase a home with less of a down payment and lower its interest rate. It assists customers throughout the home selling, purchasing, and refinancing process, including appraising their home value. Simply Home Mortgage supports nonprofit organizations, like the Believe International Charity.

License Verified:

License: 1754412

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
172 N East Promontory, Ste. J-285, Farmington, UT 84025
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Adam West is a senior loan originator with UMortgage, providing mortgage solutions to customers in Sandy and nearby areas. He offers home refinance services that help clients save money over time by changing mortgage terms or dipping into the home equity to get cash out. He shares options based on each client's criteria and scenario, laying down different interest rates and terms. He provides FHA, VA, and jumbo loans with fixed and adjustable rates. West has been in the industry for over three years.

License Verified:

License: 1790355

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 (57)

Website
11576 S State St. #101A, Draper, UT 84020
  • Reverse Mortgages

Why choose this provider?

Cinch Home Loans serves clients in and around Sandy who need a variety of mortgage and refinancing programs. The team restructures existing debts to take advantage of more favorable terms and conditions that emerge subsequent to the original obligation. Its financing choices include government loans aimed at farmers and veterans, as well as rehabilitation selections that can finance renovation projects. Cinch Home Loans operates across five states and is an independent agency.

License Verified:

License: 399255

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 (91)
Facebook
5.0 / 5 (41)

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
6925 S Union Park Center, Suite 150, Cottonwood Heights, UT 84047
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Inspiro Financial helps its clients in Sandy and the neighboring areas with their mortgage refinancing concerns. The company offers different types of refinancing options for individuals who want to improve their credit scores, acquire more savings, and change their loan terms. These options include locking its clients' loan terms into fixed rates and eliminating PMIs. It strives to deliver on its commitment to a transparent lending service by providing Homebot, a tool where clients can check housing updates.

License Verified:

License: 2114609

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 (93)

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
5445 S 900 E #217, Murray, UT 84117
  • Reverse Mortgages

Why choose this provider?

Sundance Lending Company is a woman-owned business that serves home buyers and sellers in the Sandy community. It assists individuals and families looking to refinance a current mortgage, conducting loan analysis to create a plan and achieve what fits clients' needs. It also offers first-time home buyers walkthrough sessions to educate them about the mortgage process from start to finish. Sundance Lending Company was established in 2019 by loan lady Stacey Van Roosendaal, who closed over 100 loans in her first 12 months in the industry.

License Verified:

License: 1904537

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 (68)
Facebook
5.0 / 5 (47)

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
8645 S. Harrison St., Sandy, UT 84070
  • New Construction
  • Reverse Mortgages

Why choose this provider?

American Loans & Mortgages assists clients in Sandy find the loan program that fits their situation. The firm has been serving the community for over 27 years, providing refinancing options to help clients consolidate their first and second mortgages and reduce their loan terms. Its refinancing solution also allows borrowers to consolidate their credit cards and home equity lines. Its mortgage professionals provide clients with comprehensive communication throughout the process and offer other loan options, including commercial, construction, remodeling, conventional, and jumbo.

License Verified:

License: 245422

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.
4.7
Google
4.8 / 5 (68)
Yelp
3.0 / 5 (5)

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.
  • In Sandy, what is the distinction between the annual percentage rate and the interest rate?

    In Sandy, the annual percentage rate (APR) refers to the entire yearly cost of one's mortgage. The interest refers solely to the monthly rental cost of the money borrowed. APR is a more comprehensive metric than the interest rate, as it encompasses the interest plus any additional fees, charges, and expenses associated with paying off the mortgage.

  • Does a mortgage holder in Sandy need to have equity in the home before refinancing?

    Yes, a mortgage holder in Sandy needs to have equity in the home before refinancing. The general rule is that lenders want a loan-to-value ratio of at least 90% from those who wish to refinance. The house has to be worth 10% more than the current loan on the property before the new mortgage will be issued.

  • When is refinancing from an adjustable-rate mortgage to a fixed-rate one a good idea in Sandy?

    In Sandy, it is a good idea to refinance to a fixed-rate mortgage from an adjustable-rate (ARM) one when the interest rates of the latter have become more expensive than the former and the associated fees and costs won't outweigh the benefits. This happens when the rate adjustments on the ARM outpace the growth of the fixed-rate options.

  • What are the advantages of VA streamline refinance options in Sandy?

    VA streamline refinance options in Sandy allow qualified members and former members of the military to obtain new loans with less fuss than conventional choices. There is no appraisal requirement, and there is no need to meet income and credit rating qualifications as long as the veteran is eligible.

  • If a mortgage holder in Sandy needs to pay for college immediately, what possible refinancing option may be used?

    A mortgage holder in Sandy who needs to refinance and pay for college quickly may use the cash-out option. This allows a person to use the increased equity in the home to take out a second loan and to use the difference between the new and old equity as cash. It essentially allows a borrower to monetize a house without selling it off.

  • 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.