Refinance Your Home

WHAT DOES REFINANCE MEAN?

Refinancing is the process of taking out a new loan to pay off one or more outstanding loans. Basically, it means you are starting the loan process all over again, but a home refinance can often result in huge savings or lower your monthly payments. Depending on a few things there may be less documentation required.

WHY SHOULD YOU REFINANCE?

As a leading Utah mortgage broker, Fink & McGregor can help you. Refinancing your current mortgage offers several beneficial financial options for you, here are eight possible reasons why you should consider refinancing.

LOWER YOUR MONTHLY PAYMENT

A high mortgage payment can cause a lot of stress and eat up a large portion of your income. By refinancing to a lower rate, you could save thousands of dollars while making it easier to pay your mortgage.

CONSOLIDATE DEBT

Debt consolidation is the process of rolling several unsecured debts, like personal loans, medical bills, or credit card debt, into a single bill that is paid off with a loan.

LOCK IN A FIXED RATE

People want the lowest possible interest rate. A lock on your rate ensures that your lender will honor an agreed upon interest rate at a specific cost for a set period of time.

REFINANCE AN INVESTMENT PROPERTY

With an investment property, you are looking to earn a healthy rate of return. Refinancing an investment property could help lower your monthly mortgage payment and maximize your return on investment.

STOP PAYING MORTGAGE INSURANCE

Private mortgage insurance can be expensive, but if you have 20% equity in your home, refinancing to a conventional loan could help get rid of your mortgage insurance.

REMOVE A BORROWER

There are unique situations where it may be necessary to remove someone from the title. Maybe you want to remove mom and dad, or are going through a divorce. Whatever the reason, a refinance can be a great option to buy someone out.

EXTRACT CASH FROM EQUITY OR GET CASH TO SPEND

Also know as a cash-out refinance or cash-out refi. Some homeowners have this option so they can turn some of the equity they’ve built up in their homes into cash. A cash-out refi is great for short-term fix and flippers, long-term buy and hold investors.

We get get asked all the time, “when is the best time to refinance my home loan?” The reality is everyone’s situation is different. Fink & McGregor will develop a customized loan program that takes into account your unique needs and goals. We offer a number of refinancing solutions for you including:

Fixed Rate Mortgages | Adjustable Rate Mortgages | FHA Refinance | VA Refinance

WHAT ARE THE STEPS TO REFINANCING?

Refinancing your home 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 six 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 refinance 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.