Your New Best Friend in the Mortgage Industry

Joy Frandsen

Mortgage Loan Originator

NMLS # 1824770

750 S. Main Street, Suite 104

Bountiful, UT 84010

C: (435) 820-2602


Apply now for a better mortgage experience through City First Mortgage Services.

Whether you are buying or building a new house, looking to downsize or simply ready for a change, let me help you with all of your mortgage needs.

Debt Consolidation Calculator

Calculate the effect of combining other debt with your home mortgage. If you select Credit Card, Auto Loan, or Other but leave the interest rate blank, the calculator assumes a rate of 17.5%



Default amounts are hypothetical and may not apply to your individual situation. This calculator provides approximations for informational purposes only. Actual results will be provided by your lender and will likely vary depending on your eligibility and current market rates.


Total Debt to be Refinanced


If using the term of the new loan, the monthly payment decreased by:


If keeping the original pay off date, the monthly payment decreased by:


If keeping the original payment, all debt will be paid off:

0 months early
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