Important Details

Home Refinance Loan

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A Zions Bank® Home Refinance Loan is ideal when you want a new loan on your existing home, a lower interest rate or a change in the length of your loan. A home refinance loan pays off your old loan and issues a new mortgage on your home.

Apply online today or call 800-789-5626 for assistance.

Lower Interest Rates

Important Details

Zions® rates are among the lowest around. Receive a 0.25% discount by having your loan payment automatically deducted from your Zions Bank deposit account.

No Up-Front Fees

Unlike traditional refinance loans, a Zions loan doesn’t require origination fees, points or closing costs.

Tax Advantages

Save on taxes by deducting the interest you pay on your loan. (Consult your tax adviser.)

How Much Can I Get?

The amount of your loan depends on your income and debt levels, your credit history and the property value of your home. The typical maximum loan-to-value ratio for a home refinance loan is 80%. To estimate your loan-to-value ratio, simply divide the expected loan amount by the value of your home.

Rate APR as low as**
Fixed rate: 84 months 3.59%
Fixed rate: 120 months 4.09%
Adjustable rate: 180 months, rate reset after 120 months 4.29%
Rates effective as of 04/19/2014
See Important Details
  • Loans subject to credit approval; restrictions apply.
  • ** Advertised APRs are based on auto-pay discount, term of loan, and excellent credit history. Rates subject to change without notice. No points, closing costs or third-party fees. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant's expense. Limited to owner-occupied property with up to 80% loan-to-value. Property insurance required. Other plans and APRs are available; restrictions apply.
    Higher rate/APR applies. Actual third-party costs will be assessed. Maximum 75% loan-to-value.
  • Sample Payments schedule based on a $100,000 loan (samples do not include amounts for taxes and insurance premiums):
    • Fixed rate 84 month term, monthly payments of $1,348.09
    • Fixed rate 120 month term, monthly payments of $1,016.73
    • Variable rate 180 month term, initial 120 monthly payments (fixed for the first 10 years) are $754.30, followed by 60 monthly payments of $754.30. The variable APR is subject to change and may increase at the 10 year adjustment, the minimum APR is 3.79% and the maximum APR is 9.99%. The APR and monthly payment can change no more than once for the remaining 5 years. Rate is based on the Five-Year Long-Term Fixed Rate Bullet, Federal Home Loan Bank Seattle (
Year Fixed
As low as
Rates as of   04/17/2014
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This page was last modified on Fri Apr 18 10:22:16 MDT 2014