You Could Save Thousands on Your Mortgage

Applying online is fast and easy

Prepare to buy or refinance a home

Whether you’re a first-time home buyer or an experienced home owner, we’ve got you covered.

How much can you save?

Loan Type
Home Use

Price Match Guarantee

If you find a better rate with another lender, we’ll match it.

How it works: 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.

See Details >

Common Mortgage Questions

How much house can I afford?

It depends on a few factors. Like income, credit and monthly debts.
Use our Affordability Calculator to find out >

What are today's rates?

Here they are. These rates are changing with the market, and are constantly updated.
Learn more about today’s rates >

What will my payment be?
My question isn't listed

Price Match Guarantee – Details

  • For the price match guarantee, provide completed Loan Estimate from another lender when you lock your rate with City Creek Mortgage and we will match interest rate and points. Only available on products offered through City Creek Mortgage; product terms must be identical. Subject to credit approval.
  • Points include: Origination Fee, Loan Discount, Lender Credit, & Lender Discount
  • Interest Rate – This is different from the APR (annual percentage rate).
  • Not included in price match guarantee: APR & Other Fees including, but not limited to appraisal, title, credit report and underwriting. These and other fees vary from company to company, and also depend on your loan structure and product type.
  • If you have questions, please speak with your mortgage planner.

4 simple steps to your best loan

It’s as easy as following the steps below.

See Today’s Rates

Transparency is at the center of our business. The general idea of where interest rates are is what most companies keep secret. In many cases, the rates and closing cost they offer one client is different from another. City Creek Mortgage is alien to this practice. We always provide full disclosure and will never charge one borrower higher than others.

Learn More About Today’s Rates >


Understanding No-Cost Loans

In most cases, you can choose different interest rates based on the amount of closing costs. You can pay more fees to have a lower rate, or you can choose a slightly higher rate and pay less in closing costs. In fact, you can actually choose an interest rate that pays you for doing a loan!

As you go through the Find your Best Rate process, look for the interest rates that show a $0 or a negative number for total closing costs. These are what we call No Cost Loans. If you are considering refinancing, if your current interest rate is higher than the No Cost rate, it is worth considering.

Learn More About No-Cost Loans >


Find Your Best Rate

Get your customized rate and closing fee quote instantly!  No personal information required, completely anonymous.

Find My Best Rate >


Apply Online

You have made it to the final step! After you complete the online application, we will be notified immediately and will review your file quickly and get back to you. Remember, there is no risk or cost to you until we order an appraisal. You can proceed confidently knowing that this step is a long way from being a commitment to doing a loan.

Apply Online >


1

See Today’s Rates

Transparency is at the center of our business. The general idea of where interest rates are is what most companies keep secret.  In many cases, the rates and closing cost they offer one client is different from another. City Creek Mortgage is alien to this practice. We always provide full disclosure and will never charge one borrower higher than others.

 

Learn about Daily Rates >

2

Understanding No-Cost Loans

In most cases, you can choose different interest rates based on the amount of closing costs.  You can pay more fees to have a lower rate, or you can choose a slightly higher rate and pay less in closing costs.  In fact, you can actually choose an interest rate that pays you for doing a loan!

 

As you go through the Find your Best Rate process, look for the interest rates that show a $0 or a negative number for total closing costs.  These are what we call No Cost Loans.  If you are considering refinancing, if your current interest rate is higher than the No Cost rate, it is worth considering.

 

Learn about No-Cost Loans >

3

Find Your Best Rate

By answering nine simple questions, you are on your way to a customized interest rate and closing fee quote! No personal information required, and completely anonymous.

 

Find My Best Rate >

4

Apply Now

This is the final step! After you complete the online application, we will be notified immediately and will review your file quickly and get back to you. Remember, there is no risk or cost to you until step #4 in our loan process. Therefore, you can proceed confidently knowing that this step is a long ways from being a commitment to doing a loan.

Home Buyer's Perspective Actual Clients

A Homebuyer’s Perspective

City Creek clients discuss their fears with getting a mortgage.

Watch the Video Series >

Purchasing a Home

Buy your first home
Invest in your future
Get a low rate

Learn More >     Apply Now >

Refinance and Purchase Boxes

Refinance Your Home

Lower your montly payment
Lower your rate
Get rid of Mortgage Insurance

Learn More >     Apply Now >

Refinance and Purchase Boxes
Baby Oliver Raving Fan

Testimonials

We understand the importance of having raving fan clients.

What people are saying >

Our Story

Unlike any other mortgage company

Read Our Story >

GET SOCIAL WITH US

Visit our Facebook - CityCreekMortgage
Check out our City Creek Mortgage Instagram
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We’d love to hear from you!

Phone: 801-501-7950

Office Hours:
Monday-Thursday 6am – 9pm
Friday 6am – 6pm

Extended Phone Hours:
Friday 6pm – 9pm
Sat – Sun 9am – 9pm

Direct Line during extended hours: 801-541-3305
Call, text or chat with us

11910 S. State Street, Suite 100
Draper, UT 84020
Fax: 801-501-7951
Email: mike@citycreekmortgage.com

NMLS #85855 | #79053

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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.