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Refinancing Your Home
Update your mortgage payments
Out with the old — in with the new
When you refinance, you’re essentially trading your current home loan for a better one. This could be helpful if you’ve raised your credit score or if you want to switch a variable rate for a fixed rate. It may be hard to know if refinancing is the right option for you. That’s why Deseret First is here to help! Our goal isn’t to sell you something you don’t need. In fact, we want to empower you with knowledge and options.
Request Mortgage Information
Advantages to Refinancing
Lower your monthly payment
Shorten your term length
Cut out mortgage insurance
No-cost options available
Home Refinance Options
You will need to clarify to yourself what your goal is for refinancing. Do you want to lower your monthly payment or interest rate? Or shorten your loan term? Once you know what you’re after, it will be easier to decide which type of refinance you’ll need.
As loan officers at DFCU, it is our goal to make the steps of refinancing as smooth and simple as possible. That’s why we’ll guide you through each step along the way. At the same time, making sure you feel confident and satisfied in your decision.
Take an application.
Work with a loan officer to decide which option is best for you. Consider, do you want to lower your monthly payment or mortgage terms? Or do you want to cash out?
Provide documentation (signed disclosures, income, assets, etc).
Property valuation completed (usually an appraisal).
Sign your closing documents.
Your new loan funds!*
*If you refinance your primary residence, there is a mandatory 3-day wait time. Known as the rescission period, this occurs from when the closing documents are signed to when the loan funds.
Take control of your future faster!
Refinance today by lowering your payment or interest rate.