Lower Your Monthly Payment

Can I Still Lower My Monthly Payment?

With mortgage rates at still historic lows, now could be the time to evaluate your current loan to get a lower payment. A Fink & McGregor loan specialist can identify a Utah refinance program that will help you lower your monthly payment. Some programs we offer include:

Changing the term of your loan. If you are in a 15 year loan, a mortgage with a longer term such as 30 years, will reduce your monthly payment

Reducing your interest rate. Rates are at historic lows. Take advantage of these low historic rates and refinance today

Changing your loan type. For some people, adjustable rate mortgages make sense and can reduce your monthly payment.

At Fink & McGregor, we offer a number of popular programs that will help you reduce your monthly payment including:

FHA loans. An FHA loan offers borrowers a quick and easy way to refinance out of an ever increasing loan payment into a fixed rate mortgage that is backed by the government.

VA loans. Served in the military or the spouse of a service member? A VA refinance mortgage can offer a way for you to reduce your monthly payment.

30 year fixed rate mortgages. If you have a shorter term mortgage (such as a 15 year mortgage) or an adjustable rate mortgage that is about to adjust into a higher payment, refinancing into a 30 year fixed rate mortgage can help you reduce your monthly payment.

Jumbo Loan. Have a big loan? We specialize in Utah jumbo loans.

Adjustable rate mortgages. For some borrowers, adjustable rate mortgages may make sense and offer you a lower monthly payment for a limited time.

WHAT ARE THE STEPS TO REFINANCING?

Refinancing doesn’t have to be scary or difficult, especially with our expert mortgage planners and home loan officers to help you every step of the way.

Here are some basic steps that outline the refinance process.

Review your credit
Gather the necessary documents
Contact a loan officer at Fink & McGregor
Discuss which options are best for you
Apply for the loan and submit your documents
Prepare for closing

Fink & McGregor is dedicated to making your loan and refinancing experience quick and simple. Get started today.

Get Started:

Email us at [email protected]
or Call 801-264-9494 now!

Three Easy Ways to Get Started:

Start Quick Application

Or if you are ready to begin the mortgage process:

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Words from Our Clients

Thank you for your assistance on helping us refinance our home. I appreciate the effort to expedite the process and the basket was very nice as well.

- Jamien S

We closed on the loan last evening. Your staff made the process quite effortless and gave your firm a great endorsement. She said of all of the firms that she works with you, Fink and McGregor is in the top two. That reputation is not easily earned. Congratulations.

- BJ

I just closed and everything went great. We're thrilled and the process was quick and super easy. Loved working with you guys.

- Glenda M.

I can’t believe how quickly everything went through. Jeff took lots of time to discuss my options and answer all of my questions. I had only called to see what was possible & Jeff his team got me even better results than I imagined . I will recommend everyone I know to Jeff!

- Maya B.

I started the refinancing process when another lender, by the end of the process which took more than 6 months— my credit was so screwed up because I did what they told me to and they wouldn’t close my loans. They ghosted me for 3 months. I couldn’t even get a loan from any other lender until I worked out the issues with my current lender. Your service was great! Very responsive. You answered all my questions! Thank you for being kind!

- Rikard H.

The preliminary loan process was so easy and smooth I almost forgot I even had a closing scheduled to come in and wet-sign the final documents. The closing itself was probably the quickest/shortest one I have ever gone thru.

- Carol H.

We had a great experience, the process was smooth and completed in a timely manner. Niesha was amazing at communicating and keeping us up to date on our loan process. We would highly recommend Fink and McGregor to everyone we know.

- Dustin and Danyel A.

Fink & McGregor is awesome! They gave me hope from the very beginning. They were able to help me refinance my house, lower my interest rate, and enough cash-out to pay off all my debts and medical bills and still have enough to do upgrades and repairs on my house. Even with my low credit score they were able to make it happen! I would recommend them to anyone!

- Royce C.

It was a very smooth process despite our loan being a VA loan. Niesha was very helpful and made sure we always knew the status of our application and any changes that needed to be made to our loan. We are very satisfied with the service and attention to detail.

- Darrin B.

Everyone at Fink & McGregor has been great!! Emilee has always been very professional when I call. Niesha did everything she could to help merc we tried a VA loan at first but no worries she moved to the FHA! And Jeff, from the first time I contacted him he helped me out especially back in 2015 if I remember correctly. That just seemed difficult for everyone. Thank you all at Fink & McGregor!!

- Alex C.

Fink & McGregor was excellent to work with. Their representatives took care of me like I was their only costumer. I appreciate their timeliness and professionalism throughout the entire process. The team is stellar!

- Jane B.

Second time using Fink & McGregor. Quick, easy, and they honestly do make mortgages simple. The mortgage loan process has been smooth along with clear communication of timelines and what was needed to complete the process.

- Ryan O.