Christmas Special!! Anyone that refinances in December and January will get a FREE LED or LCD flat screen TV as a Christmas present!! We have rates available as low as 3.875% - 3.932% APR AND A NO COST REFI 4.00% - 4.057% APR both with no origination fees. You'll also skip 1 or 2 months house payments...... Now's the time to lower your monthly payments and save!! Let me know if I can help you or your family and friends. : http://www.utahlowrate.com/home.html