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Zions First National Bank®
Zions First National Bank®
Lender name:
Zions First National Bank®
Headquarters:
Salt lake City, UT
Website:
www.zionsbank.com
Loans serviced:
88,500
Top states:
UT, IL, NV
Retail offices:
n/a
Pros:
Offers good rates, friendly and knowledgable loan officers and customer service
Cons:
Lengthy loan process, slow loan approvals
Bills.com user rating (out of 10):
7
Bills.com summary:
As a small bank, Zions First National Bank® offers borrowers a personal touch, making you feel comfortable, while still offering competitive rates and products.
Bills.com opinion:
Zions First National Bank® has proven themselves to be a step ahead of their competitors by having loan officers and customer service agents that know their products and are able to help borrowers fit into loan programs that seem tailor made for them.
Bill's Expert Advice
Refinance Success Stories
Read a personal story about going through a home refinance and gain a better understanding of how it's done.
Home refinance success story
Home Refinance Calculators
Today's Mortgage News
Mortgage Rates Near 4-Year High
Long-term mortgage rates are continuing to edge higher. Freddie Mac said Thursday that the average for 30-year, fixed-rate mortgages is at 6.60 percent, compared to last week's 6.58 percent.
topix.net
Immediate threat of 7% mortgage rate disappears (Reg Req'd)
Economists believe Fed's monetary policy is too tight You can watch markets for a long time and not see a one-week reversal in psychology -- and reality -- as large as this.
topix.net
Glossary of Home Refinance Terms
Adjustable Rate Mortgage (ARM): a mortgage where the interest rate fluctuates periodically based on the specified index.
Annual Percentage Rate (APR): the percent of a mortgage, based on interest, mortgage insurance, and loan origination fee (points), established as a yearly rate.
Loan To Value (LTV): the ratio of the loan amount to the value of the home. LTV is used when determining interest rates. Higher LTV ratios typically result in higher interest rates.
Points: charges levied by the lender that are normally payable at closing. One point equals 1% of the value of the loan.
Refinance (Refi): paying off one loan through the means of obtaining another; refinancing is a way to secure a lower interest rate.
The Bills.com Blog
Browse through our different financial categories and find the answer to the specific question you have.
Average Mortgage Rates
| program | apr |
|---|---|
| 30 Yr Fixed | 5.23% |
| 15 Yr Fixed | 4.7% |
| 30 Yr Fixed Jumbo | 6.06% |
| 15 Yr Fixed Jumbo | 5.6% |
| 3/1 ARM | 4.98% |
| 5/1 ARM | 4.4% |
| 7/1 ARM | 4.61% |
| 10/1 ARM | 5.08% |
| 3/1 ARM (I/O) | 5.5% |
| 5/1 ARM (I/O) | 4.78% |
| 7/1 ARM (I/O) | 4.73% |
Home Refinance Articles and Advice
How to Determine if it's Time to Refinance
Who wouldn't enjoy a break on their monthly mortgage payment? On the other hand, how can you be sure that the timing is right to refinance? Are the rates and the current mortgage market the best indicators?
Time for a home refinance
The Why, When, and Where of Home Refinance
You've heard of refinancing, but do you know why you should go through a refinance? Do you know when the best time is to refinance? Discover the factors that determine why, when, and where to refinance your home.
Home refinance
Mortgage Refinance Dos
Getting ready for a mortgage refinance? Find out exactly what you need to do to have a trouble free mortgage refinance.
Home refinancing
How to Get the Best Home Refinance Loan Possible
Never gone through a home refinance before? Here are some things you want to make sure of before you settle on an offer.
Best home refinance loan
Bad Credit and Home Refinance
If you're struggling with bad credit, don't let your poor credit discourage you from refinancing your current mortgage. Learn how you get a bad credit home refinance loan.
Bad credit and home refinance
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