– Tobi Gale & Mortgage Mike, Co-Founders
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?
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.
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
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.
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.
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!
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.
A Homebuyer’s Perspective
City Creek clients discuss their fears with getting a mortgage.
Refinance Your Home
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Offices
Utah
Draper, UT
Phone: 801-501-7950
11910 S. State Street, Suite 100
Draper, UT 84020
Fax: 801-501-7951
Email: mike@citycreekmortgage.com
NMLS #85855 | #79053
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
Kansas & Missouri
Kansas City, MO
Phone: (816) 897-3464
300 E 39th Street
Kansas City, Missouri 64111
Email: andrea@citycreekmortgage.com
NMLS #342913 | Branch ID #1775302
Lake Ozark, MO
Phone: (573) 552-5859
754 Bagnell Dam Blvd Suite D
Lake Ozark, MO 65049
Email: julz@citycreekmortgage.com
NMLS #1589085
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.