Diversified Home Loans, Logan Utah

NMLS #1494

Navigating Refinancing

Let’s Simplify the Process

Are you considering refinancing your home? Look no further than Diversified Home Loans, where we can assist you in securing better loan terms. We will guide you through every step of the refinancing process, ensuring that you have a clear understanding of what to expect. Here’s a breakdown of the process when you choose to work with us.


Assess your financial situation

Determine if refinancing is the right option for you by evaluating your current mortgage, credit score, and financial goals.


Gather necessary documents

Prepare the required documentation, including income verification, bank statements, and property information, as requested by the lender.


Submit a loan application

Complete the loan application provided by the chosen lender. This typically includes providing personal and financial information.


Appraisal and underwriting

The lender will order an appraisal to determine the value of your home. Though the underwriting process. might sound intimidating, it simply involves a thorough review of your application, credit history, and financial documents, all of which we can walk you through.


Loan approval and closing

If your application is approved, you will soon receive a loan commitment letter outlining the terms and conditions. Schedule a closing appointment to sign the necessary paperwork.


Pay closing costs

Be prepared to pay closing costs, which may include application fees, appraisal fees, title insurance, and other expenses sometimes associated with the refinancing process.

Remember, it’s important to carefully consider the costs and benefits of refinancing before proceeding. Consulting with an experienced mortgage professional can provide personalized and up-to-date guidance based on your specific situation and the current housing market.

Tailored Solutions

Why Our Home Loans Are Beneficial

Lower Monthly Payments

Refinance with us to reduce your mortgage payments, potentially saving hundreds each month with a lower interest rate or extended loan term.

Access Home Equity

Tap into your home’s equity funds to finance home improvements, consolidate debt, or cover expenses, leveraging the value of your property.

Consolidate Debt

Roll high-interest debts into your mortgage, benefit from a lower interest rate, and simplify your finances for peace of mind with a single monthly payment.

Nice to Meet You!

Meet Our Team

Justin Molyneux, Diversified Home Loans, Logan Utah

Justin Molyneux

Justin is the primary lending manager for Diversified Home Loans. He loves helping people find the right home financing. With 20 years of experience, he prioritizes communication and education to ensure clients feel confident. Justin's unique approach adapts to individual situations, and he enjoys building relationships within the community.

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Stan Checketts, Diversified Home Loans, Logan Utah

Stan Checketts

Stan, a native of Cache Valley, has 19 years of experience in mortgage lending. He values personal relationships and aims to provide the best service to his clients. Stan is knowledgeable in various loan products and holds licenses in Utah and Idaho. He actively serves the community through volunteering and coaching youth sports.

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Chris Coats, Diversified Home Loans, Logan Utah

Chris Coats

Chris has been in the industry since graduating from Utah State University in Finance & Economics. He finds satisfaction in helping clients achieve their dream homes and values communication. Chris is married and has four children, enjoying sports, waterskiing, and camping with his family. He aims to educate his clients and provide exceptional customer service in the mortgage process.

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Mo Heath, Diversified Home Loans, Logan Utah

Mo Heath

Mo is always available to help clients and is committed to honesty. He lives in River Heights with his wife and daughter. Mo graduated from Utah State University, proficient in Spanish and Business. He enjoys golfing and skiing. Specializing in various loans, Mo ensures clients receive the best mortgage options tailored to their needs. He is passionate about providing a seamless and pleasant loan experience.

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Stuart Brower, Diversified Home Loans, Logan Utah

Stuart Brower

Stuart values his family and enjoys sharing their stories. He graduated from Utah State University and has extensive experience in the mortgage business. He joined Diversified Home Loans in 2008 to offer the best loan products and prices to clients in Utah and Idaho. With a focus on excellent customer service and communication, Stuart aims to provide the best home loan experience with integrity.

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Chad Giles, Diversified Home Loans, Logan Utah

Chad Giles


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Justin Talyor, Diversified Home Loans, Logan Utah

Justin Taylor


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Dominique Rogers, Diversified Home Loans, Logan Utah

Dominique Rogers

Dominique, in Smithfield, Utah, cherishes his roles as a husband and father. He enjoys boating, golf, football, and basketball, prioritizing family time. Dominique graduated from Utah State University in Finance and began working at Diversified Home Loans. Dedicated to helping families in Utah and Idaho, he provides the best home purchase options via thorough scenario analysis.

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Kaden Barr, Diversified Home Loans, Logan Utah

Kaden Barr

Kaden, a Cache Valley local, is passionate about the outdoors and helping people with mortgages. When not working, he's skiing, hunting, camping, or fishing. With 10 years of finance experience, Kaden specializes in mortgages. He strives to make the mortgage process stress-free, allowing clients to enjoy homebuying.

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Matt Adams, Diversified Home Loans, Logan Utah

Matt Adams

Matt holds a finance degree and an economics minor from USU. With extensive real estate experience spanning over a decade, he is passionate about assisting clients with their financial decisions. As a mortgage broker, Matt offers tailored solutions, exceptional customer service, and transparency to guide clients through stress-free home buying or refinancing experiences.

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Derick Cox, Diversified Home Loans, Logan Utah

Derick Cox

Derick prioritizes providing customers with a superior home buying experience. With expertise in various loan types, he eases stress by presenting all options and guiding clients from prequalification to closing. Derick's passion for life, family, and outdoor activities fuels his dedication to forming lasting relationships with clients.

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Riley Johnson, Diversified Home Loans, Logan Utah

Riley Johnson

Riley takes pride in helping families achieve homeownership. With a deep connection to Cache Valley and expertise in various loan types, Riley's goal is to ensure clear communication, timely closings, and exceptional service throughout the real estate process.

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Garrett Hansen, Diversified Home Loans, Logan Utah

Garrett Hansen

Garrett Hansen's passion for strategic financing and positive impact was sparked during a Ghana internship. With 9 years in real estate and an Accredited Mortgage Professional (AMP) designation, he guides clients toward their goals. Balancing work with outdoor activities and coaching soccer fuels his commitment to excellence. Let Garrett navigate the mortgage landscape and help achieve real estate dreams.

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Matthew Wright, a seasoned mortgage expert with over two decades of experience, is dedicated to guiding individuals through their homeownership journey. With a strong background in finance and economics, Matthew offers tailored mortgage solutions that align with clients' unique needs and financial goals. His commitment extends beyond his professional life, as he understands the importance of finding the perfect home as a family man.

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Brian Heiser, Diversified Home Loans, Logan Utah

Brian Heiser

Brian Heiser is an experienced Mortgage Loan Officer with over 18 years of industry knowledge. His professionalism, integrity, and commitment to excellence have earned him a stellar reputation. With expertise in various loan programs, Brian provides personalized guidance and support to clients, ensuring they make informed decisions. He is passionate about helping clients navigate the lending process with confidence and peace of mind. In his personal life, Brian enjoys outdoor activities with his family.

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