Find Your Best Rate
Instant rate & closing cost estimate.
No strings attached.
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.
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.
Find Your Best Rate
Get your customized rate and closing fee quote instantly! No personal information required, completely anonymous.
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.
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.
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.
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.
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.
We loved our experience with City Creek Mortgage and have complete trust that we are in the best hands possible. What a great and satisfying mortgage experience! Wow! We have never said that before!
We have closed over 7 loans with Mike Roberts and have NEVER had any surprises at closing. Our payment and costs have always been to the literal penny of what he quoted. Mike even calls to let us know when rates drop, once again, helping my family’s financial situation improve.
I can’t say enough how much Deb and I appreciate everything you have done for us and we look forward to working with you in the near future.
I love City Creek Mortgage because Mike was willing to share his time and talent to help Ben and me, even though it was not going to financially benefit him. Sharing his time and talent so willingly will always be fondly remembered and gratefully appreciated!
City Creek was the only company to actually stay in contact with us and they spent the time to fully explain what they have done and what to expect next.
A Homebuyer’s Perspective
City Creek clients discuss their fears with getting a mortgage.
Refinance Your Home
Lower your montly payment
Lower your rate
Get rid of Mortgage Insurance
GET SOCIAL WITH US
We’d love to hear from you!
Regular Office Hours: Mon-Fri 8am – 5pm
11910 S. State Street, Suite 100
Draper, UT 84020
Phone: 801-501-7950
Fax: 801-501-7951
Email: mike@citycreekmortgage.com
After Hours Phone for new loans
After Hours: M-F 5pm – 9pm, Weekends 8am-9pm
Sales Phone: 801-541-3305
Call, text or chat with us
NMLS #85855 | #79053
The Mortgage Company That Cares
Welcome to City Creek Mortgage—the home of the mortgage planners you can trust in Utah. Our team 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 things 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 you. 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.