ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find Mortgage Refinance Companies in Cottonwood Heights, UT
Looking for a mortgage refinance company in Cottonwood Heights? Review the directory below to compare your options.
20 agents listed
Updated June 2026
Cottonwood Heights, UT
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Utah before hiring.
Showing 20 mortgage refinance companies in Cottonwood Heights, UT
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Direct Rate Home Loans, Inc.
6985 S Union Park Center #150, Cottonwood Heights, UT 84047
Mortgage refinance companies in Cottonwood Heights Utah help homeowners replace their existing home loan with a new one often to lower the interest rate or change the loan term. Utah law requires lenders to provide a Loan Estimate within three business days of application under the Truth in Lending Act. Local companies understand the unique real estate market in Salt Lake County and can guide you through the process.
What Does a Mortgage Refinance Company in Cottonwood Heights Cost?
Typical costs for refinancing in Utah include an origination fee of 0.5% to 1% of the loan amount an appraisal fee of 400 to 700 dollars and title insurance which can range from 500 to 1500 dollars. Closing costs generally total 2% to 5% of the loan principal. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to refinance in Cottonwood Heights?
You typically need pay stubs tax returns bank statements and a recent mortgage statement. Utah lenders may also require a property appraisal to confirm your homes current value.
How long does a mortgage refinance take in Utah?
A standard refinance in Utah usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or underwriting requires additional information.
Are there Utah laws that affect refinancing costs?
Yes Utah law limits prepayment penalties on most residential mortgages. Also lenders must follow federal rules for disclosing fees and closing costs within the Loan Estimate and Closing Disclosure.
Get matched with agents in Cottonwood Heights who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state state mortgage licensing authority association before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the State Mortgage Licensing Authority of Utah.