If you have even thought about consolidating debt, just lowering your rate, getting a shorter term on your mortgage or any combination of the above you need to call me today. I have relationships with the top lenders in the country and they want your great loans today we have seen rates as low as 4.25% (4.98 apr) on a 15 year and 4.5 %( 4.74 apr) on a 30 year loan in the last 30 days. But like a stock that hits its all time low and then bounces up quickly rates will do the same. So call me today and get your loan in process so you don't look back and regret not buying that next home, 2nd home or refinancing to an all time low interest rate today. Call me at 801-253-HOME or email me a Kelly@UtahsMortgageGuy.com. Let's make 2009 the best year ever by getting you into your dream home with a mortgage purchase or by freeing up your finances by refinancing your home loan today!!