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How to start your refinance

Looking for the refinance loan option can be stressful, and knowing which strategy is best can be difficult. A Mortgage Smart Analysis (MSA) lets you compare refinance options to and make a solid fact base decision.

Let’s look at with the steps required to start the refinance process:

Initial Consultation

First, you’ll want to discuss your refinancing goals and needs with a licensed mortgage advisor.

Loan Application

Complete a refinance application to review your credit and income for qualification.

Refinance Options

You’ll receive a detailed refinance comparison showing your loan options and terms.

14-Day Closing

We can close your refinance loan quickly so you can start saving and access cash right away!

Jake Wahlin
Jake Wahlin
Victor Emmel has been amazing to work with. I will be recommending him to all of my friends and family. Thanks again Victor!
Austin Robison
Austin Robison
Victor was great to work with answered all my questions and wad helpful every step of the way
Lexi D
Lexi D
Victor is the best. Working with him was so easy! As a first-time homebuyer, there was a lot we didn't know coming into the process, but Victor always explained each option to us in an easy-to-understand way. I always felt as though he had our best interests in mind. He always responded to my communications in a timely manner, and was never frustrated or annoyed by my questions. He helped us close on our house in a little less than a month! I recommend him to anyone!!
Makenzie Phipps
Makenzie Phipps
Victor is awesome, we have worked multiple transactions with him. He always is so helpful, answers any and all questions! He is wonderful and we would recommend him to anyone getting ready to buy a home. ☺️
Nusha Nusha
Nusha Nusha
We had very pleasant experience! Always quick responses, very clear explanations. Everything was done very fast and on time:)
Joe Martinez
Joe Martinez
Victor was wonderful when it came to refinancing my home. He was very professional, kept me updated throughout the whole process and made it very easy during the whole refinance. I will recommend Victor to anyone looking to refinance their home in the future. 5 star service for sure.
Dominique Ware
Dominique Ware
Victor is one of the best loan officer's in the state of Utah!
Laurie Ward
Laurie Ward
I was trying to refinance my house through my own mortgage company for 4 months we tried to close twice but I would look at the disclosure and the numbers were wrong. They set up a third appointment and I saw they did not change anything on there but expected me to sign it anyway I told them no and I am not doing this again. I contacted Victor Emmel and let him know what happened and he said he could help me and we closed in 3 weeks! Amazing and the numbers were correct! I will continue to use him in the future and tell my family and friends. He is the best!
Frank Gomez
Frank Gomez
What an amazing and positive experience!!! It was so refreshing to work with a professional who knows what they are doing!! Going into this my wife and I had high anxiety of hoping we wouldn't get jerked around. Victor from the very beginning made us feel very comfortable and calm about the process. He explained everything to us in detail and not once got frustrated with us for asking the same questions over and over. In fact he said he understood and reassured us everything is moving forward as discussed. He was very knowledgeable and so personable!! When we finally signed the papers and closed, my wife cried in my arms and all I could think about was how awesome Victor was and the great job he did for us! He literally changed our lives for the better and I couldn't say enough good things about him. I highly recommend Victor for any mortgage needs you may have! 5 Stars all the way, thank you Victor!!!!!!
Debbie Andrushko
Debbie Andrushko
Victor was so helpful and knowledgeable and I had no worries during my lending process. I would highly recommend.