Mortgage Refinance 

Lower your interest rate. Lower your payment.

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Pay off your mortgage faster!

Reduce your monthly payment, refinance an old long-term loan, lower your interest or pay your mortgage off quickly with a shorter term fixed rate mortgage loan. We have a variety of refinancing options to fit your needs.

  • Terms of 5, 7 and 10 years
  • Low fixed rates
  • Refinance options up to 80% loan-to-value

Talk to one of our Mortgage Loan experts and start saving today!

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RATES APR as low as
APR as low as
APR as low as

Conventional Refinance

Nothing beats the reassurance of having affordable, fixed monthly mortgage payments. You can count on us for great rates, experienced, personalized service, and servicing for the life of your loan when you refinance your mortgage with Wasatch Peaks.

  • Refinance options up to 80% loan-to-value
  • Get a lower interest rate and make lower payments
  • Change the term of your mortgage
  • Fixed-rate terms available
  • Get cash from the equity in your home
  • No Private Mortgage Insurance (PMI) on many conventional loans, including 30 and 15 year jumbos
  • No pre-payment penalties

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*Conforming loans go up to $647,200, except in Alaska and Hawaii, where they go up to $970,800. Jumbo loans are $647,201 and above.


FHA Streamline Refinance

This refinancing option is considered streamlined because it allows you to reduce the interest rate on your current home loan quickly and oftentimes without an appraisal. FHA Streamlined Refinance also cuts down on the amount of paperwork that must be completed by your lender saving you valuable time and money.

In order to qualify for a Streamlined Refinance your original home loan must be an FHA loan in good standing and the refinance must lower your monthly interest payments. This type of refinancing option reduces your monthly expenses by lowering your payments but there is no option to receive cash back. This works well for people who are in good financial standing with no significant debt because it allows you a little extra money each month that can be put to good use elsewhere.

  • Original home loan must be an FHA loan in good standing
  • Reduces your monthly expenses by lowering your payment
  • No option to receive cash back
  • Fastest, simplest way to refinance your mortgage
  • Fixed-Rate Mortgage and Adjustable Rate Mortgages
  • FHA Streamline Refinance rates are as low as those for regular FHA mortgages
  • 30 or 15 year terms
  • No prepayment penalty
  • No income verification required

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Second Home Refinance

Choose a fixed-rate, adjustable-rate or interest-only mortgage for your second home.

Available options include:

  • 30 or 15 year conforming and jumbo loans*
  • Down payments as low as 5%
  • Biweekly payment option available on some mortgages

Second homes may be rented out for portions of the year (seasonal rentals); however, rental income cannot be used to qualify.

Start Mortgage Application