Once you've applied and are cleared to lock your rate with us, send us their complete Loan Estimate dated the same day and we will price match their rate and points.
Fast & Easy
Fill out your information and we'll get back to you as soon as possible with your customized rate and closing fee!
Better Experience
We exist to help you secure the best mortgage program for your unique situation and use the strategies to your advantage.
"I shopped a few mortgage companies, and their closing costs were much less than their competition. I had about a 4 week window from start to close, and they delivered, even having everything ready early. My brother-in-law had me check City Creek out, and I will definitely will recommend them to all my friends"
Richard Hancock | Facebook Review
"We've used City Creek multiple times and each time they've had the best rates and lowest closing costs. They've also had wonderful customer service and helped us make the best decisions for us. We've been very happy with our experiences!"
Christina Evans | Google Review
Conventional Mortgages
Conventional Mortgages are most common because they offer:
Low down payment options (as low as 3% down).
Ability to lower (or eliminate) mortgage insurance as your equity increases.
Ability to write off your interest on taxes.
Two Rate Options
Fixed Rate - Get the security of a consistent principal and interest payment. This is a great option if you plan on staying in the home longer.
Adjustable Rate (ARM) - Get access to the lowest possible rates and monthly payments. This is a great option if you plan on being in the home for less time.
Lower your monthly payment - this is the most common reason for refinancing
Lower your rate - refinancing to a lower rate may save you thousands over the life of your mortgage.
Lower or eliminate your mortgage insurance - If you have 20% or more equity in your home, refinancing to a conventional loan can eliminate your mortgage insurance for good.
Get cash out - Whether you're looking to do improvements on your home or consolidate debt, a cash-out refinance may be the right choice for you.
This is how we save our clients so much money. We believe that overcompensated salespeople have been taking advantage of borrowers for too long. You'll never pay more than you should with a salary-based loan officer.
We're a broker and a lender
As a broker and a lender, we have the ability to shop your loan for you. With a wide variety of programs and lenders, we can find the lowest rates and best fit for your specific needs.
We believe in transparency
We show our rates on our billboards because they're awesome. Through our mortgage process, we'll show all pricing in writing so that you can make an informed decision. You'll know if things change on your loan, and you'll be consistently updated throughout our simple, six-step closing process.
Close Quickly
We close most loans in 21 days or less, with some closing in just 7 days.
Our clients love us
4.9 stars on Google with 625+ reviews Best of State Winning Mortgage Broker
Watch this quick video to see why City Creek Mortgage is different than other lenders.
You Can Shop Your Mortgage
When did you first realize you could shop a mortgage?
How do you choose another lender over your agent's recommendation?
Already started the process with another mortgage company?
See how much you qualify for Applying online is fast and easy
