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Find Mortgage Refinance Companies in Saratoga Springs, UT

Directory of mortgage refinance companies in Saratoga Springs, Utah. Verify credentials with the state state mortgage licensing authority before hiring.

3 agents listed
Updated June 2026
Saratoga Springs, 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 3 mortgage refinance companies in Saratoga Springs, 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.
Alex Thompson - Mortgage Loan Officer - Mountain America Credit Union
25 Crossroads Blvd, Saratoga Springs, UT 84045
(385) 479-1914 macu.com
Kevin Flint Mortgage Team - Loan Officer Powered by UMortgage
66 E Garibaldi Wy, Saratoga Springs, UT 84045
(385) 214-8139 facebook.com
Mountain Point Mortgage
87 N Desert Sage Cir, Saratoga Springs, UT 84045
(435) 703-3800 mountainpoint.mortgage

Mortgage refinance companies in Saratoga Springs Utah help homeowners lower their interest rates or change loan terms. Utah law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the Saratoga Springs real estate market and can guide you through the refinance process.

What Does a Mortgage Refinance Company in Saratoga Springs Cost?

Typical costs for refinancing a mortgage in Utah include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance around $1,000 to $2,000. Closing costs generally range from 2% to 5% of the loan principal. These amounts vary based on loan size, property value, and lender policies. This is general information and 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 my mortgage in Saratoga Springs Utah?
You typically need pay stubs, tax returns, bank statements, and a photo ID. Utah lenders may also require a property appraisal to confirm home value. Specific requirements vary by lender and loan type.
How long does a mortgage refinance take in Utah?
A typical refinance in Utah takes 30 to 45 days from application to closing. Utah law does not set a specific timeline, but lenders must follow federal disclosure rules. Delays can occur if the appraisal or title work takes longer.