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Rate:Don't know where to start? A City Creek Mortgage is simple.
Learn about Buying Learn about Refinancing
The traditional mortgage process sucks
You're afraid of paying thousands more than you should
You have no idea what your mortgage REALLY costs
You feel confused about the mortgage process
You wish getting a mortgage was 10 times easier
You’re struggling to know if you qualify
You don't know... what you don't know
You deserve better. Which is why we've built an easy experience to close you quickly and save you money.
"When they say expect to save money they are right. I think going with City Creek saved me at least $4,000 over other quotes and they were easy to work with."
Justin J.
4 Easy Steps to Save
Review Our Low Rates Online
See our rates to learn what options are best for you.
Answer Basic Questions
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Close Confidently and Save
In as little as two weeks, close with the best loan for you.
We wish all decisions in life were this easy
| City Creek Mortgage | Internet Mtg Co. | Typical Mtg Co. | |
| Access to instant rate & fee quotes with no personal info |
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| Extended hours on weekdays & weekends |
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| Local Market Expertise |
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| Access to generate fee sheet, online, 24/7 |
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| No upfront appraisal or credit report fees |
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| Salary-based loan officers |
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| Custom rate & closing cost analysis that saves you the most money |
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| ⭐️⭐️⭐️⭐️⭐️ Google rating with thousands of reviews |
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| $5,000 close-on-time guarantee (when buying) |
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| Close Happy Guarantee (when refinancing) |
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Featured Video
Why do other companies hide mortgage rates?
See how they get you to pay more for the same mortgage.
Why does City Creek Save Me Money?
“Tobi & I both grew up in families with very limited resources. The typical mortage process is expensive and hard. This is the last thing you should worry about. That's why we re-engineered the mortgage process to be easy and affordable."
Mortgage Mike & Tobi - Founders
2,467 people can’t be wrong
2,467 Reviews | Average 5/5
Today’s Rates
Amazing rates, with lower fees.
30 Yr Fixed Conforming
4.875%
APR 4.995%
Low payments that never change
Customize This Rate 
15 Yr Fixed Conforming
4.000%
APR 4.200%
Pay off faster and save on interest
Customize This Rate
30 Yr Fixed Jumbo
5.250%
APR 5.312%
For large loan Amounts
Customize This Rate
See what your rate could be in 30 seconds
"Literally the quickest refinance ever! I am in the mortgage industry and I don’t even think I have witnessed such an easy transaction! We will definitely use them for all of our mortgage needs! Thank you!"
Brittany & Ryan R
Cash Out Refinance in Herriman, UT
Not in one of these states? Let us know and we'll get you in touch with a trusted City Creek partner.
Open early. Working late. 7 days a week.
Your Home is important
We'll work around your schedule.
We'll work around your schedule.
We’re available 7 days a week, 15 hours a day. Our committment to saving you money doesn’t stop at 5pm. Call, chat, or come on in.