Important Details
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Refinance Home Mortgage Loans in Utah and Idaho

Save with Lower Home Refinance Apply Now
Rates


Use a Zions Bank® Home Refinance Loan to purchase or refinance a home in Utah or Idaho and save money on your mortgage. Pay it off sooner or pay down other high-interest debt. Plus enjoy lower home refinance rates.

Apply online today or call 800-727-8893 for assistance.

Refinance Home Loan with Lower Interest Rates

Take advantage of Zions Bank’s competitive home refinance rates, and get a 0.25% discount by having your payment automatically deducted from a Zions Bank deposit account. Important Details

Refinance Your Home Mortgage Loan with No Up-Front Fees

Unlike traditional refinance loans, Zions® Home Refinance Loans have no origination fees, points, closing costs or title insurance fees. And there’s no appraisal fee when the home value is determined by Zions.

Tax Advantages of Refinancing Your Home Loan

You can usually write off 100% of the mortgage interest you pay on a home refinance loan. Make sure you consult your tax advisor about tax deductibility.

How Much Can I Get with a Home Refinance Loan?

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

Fixed Home Refinance Rates

Fixed-rate loans are fixed for the full term of the loan and the monthly payments will not change for the life of the loan.

Fixed Refinance Home Loan Terms

Rate APR1
fixed rate: 84 months* 3.94% – 4.44%
fixed rate: 120 months* 4.14% – 4.64%
Rates effective as of 12/08/2016

*Sample payments for fixed rates based on estimated information:

  • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 3.94% APR; monthly payments are $1,364.12.
  • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 4.44% APR; monthly payments are $1,387.23.
  • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.14% APR; monthly payments are $1,019.12.
  • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.64% APR; monthly payments are $1,043.15.

Payments do not include amounts for taxes and insurance, and your actual payment may be higher.

Variable Rate Loans

Adjustable rate mortgage (ARM) loan rates are variable and may increase at the specified adjustment period; subject to change without notice. The APR is fixed for the first 10 years (no rate adjustments occur during this time frame) and adjusts annually for the remaining 5 years of the loan. At time of adjustment, the APR will not be higher than the original loan rate plus 6% (fully indexed rate).

Variable Loan Terms

Rate APR1
variable rate: 180 months (10/1 ARM)** 4.29% – 4.79%
Rates effective as of 12/08/2016

**Sample payments for variable rates based on estimated information:

  • Variable rate term of 180 months: Loan amount of $100,000.00; minimum variable 4.29% APR; initial 120 monthly payments (fixed for the first 10 years) are $754.30, followed by 60 monthly payments that could be as high as $869.90.
  • Variable rate term of 180 months: Loan amount of $100,000.00; maximum variable 4.79% APR; initial 120 monthly payments (fixed for the first 10 years) are $779.90, followed by 60 monthly payments that could be as high as $898.81.

Payments do not include amounts for taxes and insurance, and your actual payment may be higher.

Know Just Where You Stand

When you apply for a loan online, check your application status anytime, day or night, with the click of your mouse.

Important Details

 

Important terms and conditions for advertised Home Refinance Loans:

1. Annual percentage rate (APR) is based on primary residence or second home, credit worthiness and loan-to-value up to 80%. Automatic payment discount from a Zions Bank® account available where applicable. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant’s expense. First lien position required. Minimum loan amount is $5,000.

ADDITIONAL RESTRICTIONS FOR LOANS SECURED BY MANUFACTURED HOME WITH LOT: Higher APR applies; actual third-party costs will be assessed; maximum loan-to-value up to 75%.

Loans subject to credit approval; terms and conditions apply. Other rates, terms and products are available. Contact a Financial Center for full details.
*Fixed-rate loans are fixed for the full term of the loan; and the monthly payments will not change for the life of the loan.
  • Sample payments for fixed rates based on estimated information:
    • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 3.94% APR; monthly payments are $1,364.12.
    • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 4.44% APR; monthly payments are $1,387.23.
    • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.14% APR; monthly payments are $1,019.12.
    • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.64% APR; monthly payments are $1,043.15.
  • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
**Adjustable rate mortgage (ARM) loan rates are variable and may increase at the specified adjustment period; subject to change without notice. The APR is fixed for the first 10 years (no rate adjustments occur during this time frame) and adjusts annually for the remaining 5 years of the loan. At time of adjustment, the APR will not be higher than the original rate plus 6% (fully indexed rate).
  • Sample payments for variable rates based on estimated information:
    • Variable rate term of 180 months: Loan amount of $100,000.00; minimum variable 4.29% APR; initial 120 monthly payments (fixed for the first 10 years) are $754.30, followed by 60 monthly payments that could be as high as $869.90.
    • Variable rate term of 180 months: Loan amount of $100,000.00; maximum variable 4.79% APR; initial 120 monthly payments (fixed for the first 10 years) are $779.90, followed by 60 monthly payments that could be as high as $898.81.
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Refinance Your Home and Save

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This page was last modified on Thu Dec 08 10:03:05 MST 2016