Best Mortgage Refinance Companies in West Valley City

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Christian Roberts Mortgage logo

Christian Roberts Mortgage

512 E Winchester, Murray, UT 84107
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  • New Construction
  • Reverse Mortgages

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.

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Cinch Home Loans logo

Cinch Home Loans

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

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.

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City Creek Mortgage.com logo

City Creek Mortgage.com

11910 South State St. Suite 100, Draper, UT 84020
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  • Reverse Mortgages

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.

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Consumers Financial Mortgage logo

Consumers Financial Mortgage

2834 Highland Dr, Salt Lake City, UT 84106
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  • New Construction
  • Reverse Mortgages

Consumers Financial Mortgage caters to local clients in West Valley City. It assists homeowners who want to refinance their mortgage while taking closing costs and interest rates into consideration. It has an online refinance tool that helps individuals narrow down their refinancing options, whether they have a townhouse, single-family home, or condominium unit. Its team also provides assistance to those who are seeking to enroll in home improvement and reverse mortgage loan programs. Consumers Financial Mortgage was founded in 1995 by Matt Stout.

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Intercap Lending logo

Intercap Lending

11781 Lone Peak Pkwy #200, Draper, UT 84020
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  • New Construction

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. 

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JG Mortgage Consulting logo

JG Mortgage Consulting

10995 S Kelso Dune Dr., South Jordan, UT 84009
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  • Reverse Mortgages

JG Mortgage Consulting is a South Jordan-based company that serves clients across West Valley City. It guides individuals through the refinancing process to help them reduce their interest rates or modify their mortgage length. The company deals with loan programs approved by government agencies like the USDA, FHA, and VA. It also offers jumbo and super jumbo mortgage options for aspiring homeowners. Josh Graves, its primary broker, uses e-mail, phone, and fax to communicate with his clients.

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Joe Libin logo

Joe Libin

1586 Stratford Ave S, Salt Lake City, UT 84106
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  • New Construction
  • Reverse Mortgages

Joe Libin has been helping individuals and families with their mortgage needs in West Valley City since 2002. He guides his clients looking to buy a new home or refinance their existing property in the mortgage loan processes, from pre-approval to closing. He also offers a selection of loans, including FHA, VA, conventional, and jumbo. His team collects necessary documents for underwriting, such as proof of income, bank statements, and government-issued IDs. Joe Libin is recognized as one of the top loan officers at Wells Fargo in Utah.

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Loan Remedy logo

Loan Remedy

4568 South Highland Drive, Suite 250, Salt Lake City, UT 84117
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  • Reverse Mortgages

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.

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NEO Home Loans logo

NEO Home Loans

Salt Lake City, UT 84124
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  • Commercial Loans
  • New Construction

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.

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Primary Residential Mortgage, Inc. logo

Primary Residential Mortgage, Inc.

1165 Wilmington Ave #250, Salt Lake City, UT 84106
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  • Multi-Family Loans

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.

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Salt City Home Loans logo

Salt City Home Loans

1062 E 2100 S Ste 217, Salt Lake City, UT 84106
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  • Multi-Family Loans

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.

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Z Mortgage Team logo

Z Mortgage Team

4500 S 777 E, Ste 215, Murray, UT 84107
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  • New Construction
  • Reverse Mortgages

Z Mortgage Team provides services to clients in West Valley City and the surrounding areas. It caters to homeowners wishing to lower their mortgage interest rates, pay their debts, shorten loan terms, and switch their rates. It also serves individuals who want to apply for mortgage loan programs, such as FHA, VA, jumbo, and conventional, to help purchase their first homes. Home repair and rehab loan programs are also available for clients wishing for energy conservation improvements, home function modernization, and structural alterations.

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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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