Digital Loan Officer
The world has changed. Use our digital loan officer to save you money. It analyzes thousands of options to show you the loan that saves you the most money possible.
With 30 year fixed rates moving higher, consider an ARM with rates below 1.99%. See rates now
Outsmart the Mortgage Industry and Save Thousands.
Expect to save money with our Salary-based Loan Officers.
- Get My Instant Rate Quote
(45 secs & no personal info required)
You're Losing Money.
Do you know how other loan officers make money from your home?
Fat Commissions.
Oops… Did We Say That Out Loud?
The higher rates and origination fees you pay don't go toward your home. They go to your over-compensated loan officer.
Yikes.
You Deserve Better.
Get the best loan for you and save with a salaried loan officer.
The Best Decision for Your Family.
We understand you're trying to save money. Here's how we'll help you:
- Salary-Based Loan Officers The best mortgage for you doesn't include paying a commission.
- Low Rates & Closing Costs We charge less. It really is that simple.
- No Upfront Fees at Anytime Charging for appraisals or credit reports? Nope. Not here.
- Close on Time No reason to sweat a tight closing deadline. We'll be sure we're ready early.
Today's Rates
| Term | Rates | APR |
|---|---|---|
| 30yr Fixed | 2.75% | 2.831% |
| 30yr (10/6) ARM | 2% | 2.446% |
| 30yr (7/6) ARM | 1.875% | 2.483% |
| 30yr (5/6) ARM | 1.75% | 2.556% |
| 20yr Fixed | 2.5% | 2.654% |
| 15yr Fixed | 2% | 2.226% |
| 30yr Super Conf. | 2.875% | 2.945% |
| 30yr Fixed FHA | 2.25% | 3.326% |
| 30yr VA | 2.25% | 2.625% |
| 30yr Fixed Jumbo | 3.25% | 3.351% |
| *Rates based on home purchase, see our assumptions | ||
Real. Fast. Rates.
Why don't other lenders post their rates online? We know! Other lenders allow their loan officers to adjust rates and fees based on how much they think they can make on your loan. We don't.
Will I Really Save Money at City Creek?
"Tobi & I both grew up in families with very limited resources. Extra money for sports, dances, and vacations just didn't exist. We understand that you have more important things to spend your money on than massive loan officer commissions. That's why we pay our salaried loan officers to save you money. If you believe what we believe, then welcome to The City Creek Family." Mortgage Mike & Tobi – Founders
98% of our customers recommend us.
Ruby G. "We shopped around for the lowest rate to refinance our current mortgage and no one could beat City Creek Mortgage. Our experience from beginning to end was outstanding!"
John C. "I seldom write reviews, however the service we received from City Creek Mortgage was outstanding and warrants a review. The CCM team made the refinancing of our home extremely fast and painless. Communication was great and the process was made simple. With confidence, I can highly recommend City Creek Mortgage."
Tauni H. "I turned to City Creek Mortgage with a tight deadline and WOW. Upon closing, they got me nearly one whole point lower rates than the previous company was going to be getting me. They turned my stress into strength. Thank you City Creek Mortgage for blowing the other guys out of the water."
JW "The deal seemed too good to be true. It actually ended up costing even less! It was the fastest, easiest financing I’ve ever done. They even arranged for us to sign closing documents in Chicago because we were visiting our daughter. They sent someone to us, right at my daughter’s home, at no cost to us to do the closing"
Mario C. "Where do I start!? They have been amazing! Communication is second to none! City Creek has made this process so easy and convenient. The service is top-notch. I love how upfront and informative they are. If you’re on the fence about using City Creek, I don’t just recommend that you use them, I encourage it!"
Jett S. "I can tell you right now, this team has your best interest in mind. We got the best rate and closed in less than two weeks. I will continue to refer them to all my friends and family. I know that they are honest and reliable. Call them for a second opinion at the very least, you won't be disappointed!"
Collin M. "City Creek is THE BEST. They made everything so easy and smooth. They paid attention to every detail and explained everything at a level I could understand. We signed for our new home EARLY because the city creek team is so good at their jobs! Will never use anyone else."
4 Easy Steps to Save
Provide answers to simple, very straight forward questions.
In as little as two weeks, close with the best loan for you.
Salaried Loan Officers Save you Money.
Find Your Best Loan
Our BETA digital loan officer will search through thousands of rate options, and analyze which loan costs the least over the time you'll keep your loan.
Don't Pay for Your Mistake with Every Payment You make.
The City Creek Promise
At City Creek Mortgage we want to help you confidently choose the best mortgage and save money. To do that, you need a team that has one priority—YOU.
- The Mortgage Company that Cares +
- Welcome to City Creek Mortgage—the home of the mortgage planners you can trust in Utah. Our mortgage company in Salt Lake City, Utah provides invaluable assistance to facilitate the loan shopping and application process, help you make informed decisions, and ultimately allow you to save money. We exist to help you secure the best mortgage program for your unique situation and use the strategies to your advantage.
- The Team with a Heart to Truly Help +
- Our organization is composed of individuals who have unwavering passion to assist clients in need of the perfect mortgage in Salt Lake City, Draper, Sandy, and West Jordan, Utah. Our deep knowledge and collective talents are your ace to obtain the right loan for your needs with the lowest interest rate, and possibly without paying the closing cost.
- Taking Trouble Out of the Equation +
- City Creek Mortgage is all about making mortgages in Salt Lake City simpler and easier. We provide innovative tools to help you see the amount of property you can actually afford based on your income and give you a clear picture on your possible monthly payments. We lend our expertise to give you sound advice and guide you with your decisions every step of the way.
- Get Started Today +
- Take a tour of our site to discover the many ways we can help with your mortgage in Salt Lake City. Enrich your understanding about mortgage rates and other things that matter to make the right choice with your loan. If you are ready to move forward, apply today to get you started.
States we operate in
Our team of salary-based loan officers are licensed in multiple states. See the list below to learn where you can get a City Creek Mortgage loan.
- Utah
- Idaho
- Oregon
- Colorado
- Kansas
- Florida
- California
- Illinois
Where We're Located
11910 S. State Street, Suite 100Draper, Utah 84020
We'll work around your schedule.
Life happens. We understand. Our 15-hour workdays makes it convenient to work on your terms.
-
Hours
Monday - Thursday: 6am - 9pm
Friday: 6am - 6pm
Saturday: 9am - 5pm -
Extended Phone Hours
Friday: 6pm - 9pm
Saturday - Sunday: 9am - 9pm
Extended Hour Line: 801-541-3305 -
Contact Info
Phone: 801-501-7950
Fax: 801-501-7951
Email: mike@citycreekmortgage.com
Now Hiring
- Mortgage Processor
- Mortgage Coordinator
