Kira Stirling

Loan Officer, Edge Home Finance

📞 (801) 666-2961
📧 kira@edgehomefinance.com
🌐 View Profile

I'm Kira, and I help homeowners make smarter financing decisions.

Refinancing isn't just about getting a lower rate. It's about accessing equity for what matters, eliminating unnecessary costs like PMI, consolidating debt, or simply freeing up cash flow each month. I evaluate your full financial picture to determine if refinancing makes sense now or if waiting serves you better.

I work with homeowners across all credit profiles because better financing shouldn't be reserved for perfect scenarios. Whether you're capitalizing on rate drops, tapping into home equity, or restructuring for long term savings, I'll show you every option and help you choose the right one.

My job is to give you clarity, competitive rates, and a smooth closing. No runaround. No hidden agendas. Just honest guidance on what works for your money.

When I'm not helping homeowners unlock better terms, you'll find me on the slopes, adding to my plant collection, or checking in on my jumping spiders.

If you want straight answers about whether refinancing is your best move, let's talk.

Let’s make homeownership more affordable.

Jim Booher

Branch Manager, Senior Loan Restructure Advisor, Edge Home Finance

📞 (385) 323-8395
📧 jbooher@edgehomefinance.com
🌐 View Profile

Jim is steady, strategic, and calm. He supports buyers and homeowners who need a clear plan or are navigating unique situations. He brings creative thinking to the table and works well with people exploring foreclosures, off-market properties, or unconventional refinancing scenarios.

He is a problem solver who keeps the process grounded and focused. Whether you are looking for the lowest payment, better terms, or help accessing equity, Jim can guide you through your options and build a plan that fits your goals.

Refinancing does not need to feel complicated. Jim is one of Utah’s most knowledgeable refinance resources and helps clients understand options they did not know existed. He works hard to reduce costs, uncover better terms, and deliver a refinance plan that makes sense for you.

How much does a refinance cost?
Refinance costs vary by loan type, but many clients roll them into the loan or reduce them through lender credits. We help you understand the total picture upfront so there are no surprises.

Do I need perfect credit to refinance?
Not at all. There are programs for a wide range of credit scores. In Utah, we often help clients refinance even if they were denied elsewhere.

Can I refinance if I don’t have much equity?
Possibly. We evaluate loan-to-value ratios and help find creative options even for homes with limited equity. Your local market and recent value shifts may work in your favor.

Is now a good time to refinance?
It depends on your current interest rate and goals. Sometimes we find better terms, other times it makes sense to wait. We offer a no-pressure review so you can make the best call.

What if I just bought my home?
If your rate was high or your credit has improved, a refinance might still be worth considering. We help you evaluate the potential savings.

Can I skip a month's payment when I refinance?
Yes. In most refinance scenarios, you can skip one monthly mortgage payment during the process. This is due to how interest is calculated on the new loan and when the first payment is due. We will explain the timeline so you know exactly what to expect.